BlastPoint's Credit Union Scorecard
INTEGRIS
Charter #17218 · OK
INTEGRIS has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.64% 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
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 7.64% above tier (higher cost structure)
- - Member decline: -5.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,679
-5.4% YoY-0.9% QoQ
|
-946 |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$14.3M
+1.3% YoY-0.9% QoQ
|
$-15.6M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$4.3M
-11.4% YoY-1.2% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$12.5M
+1.6% YoY-0.9% QoQ
|
$-12.9M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
41% |
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| ROA |
0.6%
-23.7% YoY+67.2% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
41% |
| NIM |
4.6%
-0.4% YoY+10.5% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
89.0%
+2.2% YoY-3.2% QoQ
|
+7.6% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
34.6%
-12.8% YoY-0.3% QoQ
|
-26.7% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.6% in tier |
| AMR |
$10,035
+3.5% YoY-0.0% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration |
7.1%
+2.5% YoY-10.2% QoQ
|
-17.3% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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)