BlastPoint's Credit Union Scorecard
OKUNITY
Charter #18965 · OK
OKUNITY faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.18% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,861
-0.3% YoY+0.2% QoQ
|
-2.3K |
15,145
-2.5% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$218.0M
+2.5% YoY+1.9% QoQ
|
$-13.8M |
$231.7M
+0.8% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$160.7M
-1.8% YoY+1.7% QoQ
|
+$16.6M |
$144.1M
+0.2% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$178.6M
+3.2% YoY+2.0% QoQ
|
$-22.6M |
$201.1M
+0.4% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
0.6%
+59.5% YoY-29.0% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
3.2%
+18.0% YoY+3.5% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
75.6%
-12.6% YoY+2.1% QoQ
|
-2.5% |
78.0%
-1.7% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.5%
+414.3% YoY+95.4% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
90.0%
-4.8% YoY-0.3% QoQ
|
+19.6% |
70.4%
-0.4% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
Top 11.4% in tier |
| AMR |
$26,382
+1.1% YoY+1.7% QoQ
|
+$1K |
$24,918
+2.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
27.3%
-12.2% YoY-4.1% QoQ
|
+3.0% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
35.0%
+2.0% YoY-2.1% QoQ
|
+21.2% | 13.8% | 14.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)