BlastPoint's Credit Union Scorecard
INTEGRIS
Charter #17218 · OK
INTEGRIS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 14.27% above tier (higher cost structure)
- - Member decline: -3.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,688
-3.9% YoY+0.5% QoQ
|
-927 |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$13.9M
-3.4% YoY-2.4% QoQ
|
$-16.2M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$4.2M
-9.4% YoY-3.8% QoQ
|
$-11.6M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$12.4M
-2.5% YoY-1.0% QoQ
|
$-13.3M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
0.1%
-78.7% YoY-77.1% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
4.4%
-4.9% YoY-4.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
96.8%
+8.3% YoY+8.7% QoQ
|
+14.3% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
Top 14.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
33.6%
-7.1% YoY-2.7% QoQ
|
-27.0% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.1% in tier |
| AMR |
$9,807
-0.4% YoY-2.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
8.1%
+1.9% YoY+13.3% QoQ
|
-16.3% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)