BlastPoint's Credit Union Scorecard
OKUNITY
Charter #18965 · OK
OKUNITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Oklahoma.
- Shares and deposits +0.2% year over year ($176M in shares and deposits).
- Membership: 12,836 members, -0.9% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.71%.
- Efficiency ratio 72.22% vs a 76.73% peer average.
- Loan-to-share ratio 93.94% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,836
-0.9% YoY-0.2% QoQ
|
-2.3K |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$214.7M
-0.3% YoY-1.5% QoQ
|
$-17.3M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$165.0M
-3.4% YoY+2.7% QoQ
|
+$18.7M |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$175.6M
+0.2% YoY-1.6% QoQ
|
$-25.1M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.7%
+32.1% YoY+28.0% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.3%
+15.0% YoY+3.7% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
72.2%
-7.7% YoY-4.4% QoQ
|
-4.5% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
0.5%
+54.1% YoY-1.6% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
93.9%
-3.5% YoY+4.4% QoQ
|
+22.4% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 7.5% in tier |
| AMR |
$26,537
-0.6% YoY+0.6% QoQ
|
+$1K |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
27.1%
-9.4% YoY-0.5% QoQ
|
+2.6% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
35.0%
-2.5% YoY-0.1% QoQ
|
+21.4% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)