BlastPoint's Credit Union Scorecard
OKUNITY
Charter #18965 · OK
OKUNITY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 60.0% in tier
- - Liquidity Strain: Bottom 98.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,840
-0.2% YoY-0.5% QoQ
|
-2.6K |
15,437
-2.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$214.0M
+0.9% YoY-0.5% QoQ
|
$-17.9M |
$231.9M
+1.3% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$158.0M
+0.4% YoY-7.2% QoQ
|
+$10.6M |
$147.3M
-0.1% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$175.0M
+5.1% YoY-0.3% QoQ
|
$-25.8M |
$200.8M
+0.8% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.8%
+69.4% YoY+12.3% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
3.1%
+21.1% YoY+2.7% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
74.0%
-9.2% YoY-1.9% QoQ
|
-3.0% |
77.0%
-3.1% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.2%
-47.3% YoY-16.4% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.2% in tier |
| Loan To Share |
90.3%
-4.5% YoY-6.9% QoQ
|
+18.0% |
72.2%
-1.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Top 13.8% in tier |
| AMR |
$25,931
+3.0% YoY-3.2% QoQ
|
+$1K |
$24,676
+3.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
28.4%
-11.8% YoY-1.3% QoQ
|
+4.0% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % |
35.8%
+9.8% YoY+0.3% QoQ
|
+22.0% | 13.8% | 14.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
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)