BlastPoint's Credit Union Scorecard

OKUNITY

Charter #18965 · OK

1077 CUs in 100M-500M nationally 17 in OK

OKUNITY has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 40.2% in tier
+ Credit Quality Leader: Top 70.5% in tier
+ Loan-to-Share Ratio: Top 5.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.2% in tier
- Indirect Auto Dependency: Bottom 15.2% in tier
- Stagnation Risk: Bottom 23.2% in tier
- Membership Headwinds: Bottom 30.2% in tier
- ROA 0.10% below tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	12,905 -0.8% YoY-0.4% QoQ	-2.7K	15,628 -3.4% YoY	27,533 +2.7% YoY	33,089 +6.1% YoY	46%
Assets	$214.9M +1.5% YoY-0.2% QoQ	$-16.4M	$231.3M -0.0% YoY	$405.5M +5.4% YoY	$547.7M +7.8% YoY	55%
Loans	$170.2M +8.9% YoY-0.3% QoQ	+$22.4M	$147.8M -1.4% YoY	$252.8M +1.3% YoY	$388.7M +8.6% YoY	67%
Deposits	$175.5M +5.9% YoY+0.1% QoQ	$-24.8M	$200.3M -0.0% YoY	$336.4M +4.6% YoY	$464.6M +9.3% YoY	51%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +55.7% YoY+29.5% QoQ	-0.1%	0.8% +15.5% YoY	0.6% +31.7% YoY	0.7% +273.4% YoY	45%
NIM	3.0% +19.3% YoY+4.3% QoQ	-0.6%	3.6% +6.9% YoY	3.9% +3.8% YoY	3.7% +5.0% YoY	20%
Efficiency Ratio	75.5% -6.7% YoY-3.5% QoQ	-1.8%	77.3% -3.0% YoY	79.2% -1.1% YoY	79.1% -3.3% YoY	44%
Delinquency Rate	0.3% -39.7% YoY-4.1% QoQ	-0.6	0.9% +7.6% YoY	1.1% -4.2% YoY	1.2% -0.9% YoY	19%
Loan To Share	97.0% +2.9% YoY-0.4% QoQ	+24.3%	72.7% -1.5% YoY	71.1% -2.1% YoY	68.0% -1.7% YoY	Top 5.8% in tier
AMR	$26,788 +8.2% YoY+0.3% QoQ	+$2K	$24,363 +2.9% YoY	$17,893 +3.6% YoY	$19,418 +1.3% YoY	72%
CD Concentration	28.8% -8.7% YoY-3.9% QoQ	+4.4%	24.4% +4.2% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	35.7% +10.7% YoY-0.6% QoQ	+21.7%	14.0% -5.7% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#194 of 481 • Top 40.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.22%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Credit Quality Leader

growth

#240 of 340 • Top 70.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.30%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.20% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#72 of 258 • Bottom 9.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.97%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 8.93%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#245 of 525 • Bottom 15.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.50%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 35.68%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.81%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk

#382 of 550 • Bottom 23.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.81%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 8.93%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.30%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#498 of 550 • Bottom 30.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.81%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 96.97%

Peer Avg: -

#62 of 1077 Top 5.7% in 100M-500M tier

152

AMR Growth Rate

growth

Value: 8.22%

Peer Avg: -

#152 of 1077 Top 14.0% in 100M-500M tier

182

Loan-to-Member Ratio (LMR)

engagement

Value: $13,188

Peer Avg: -

#182 of 1077 Top 16.8% in 100M-500M tier

201

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Avg: -

#201 of 1077 Top 18.6% in 100M-500M tier

206

Loan Growth Rate

growth

Value: 8.93%

Peer Avg: -

#206 of 1077 Top 19.0% in 100M-500M tier

236

Net Charge-Off Rate

risk

Value: 0.15%

Peer Avg: -

#236 of 1077 Top 21.8% in 100M-500M tier

Top Weaknesses (3 metrics)

956

Indirect Auto Concentration (%)

balance_sheet

Value: 35.68%

Peer Avg: -

#956 of 1077 Bottom 11.3% in 100M-500M tier

856

Net Interest Margin (NIM)

profitability

Value: 3.03%

Peer Avg: -

#856 of 1077 Bottom 20.6% in 100M-500M tier

836

Fee Income Per Member

profitability

Value: $114.74

Peer Avg: -

#836 of 1077 Bottom 22.5% in 100M-500M tier