BlastPoint's Credit Union Scorecard

DFCU TULSA

Charter #19355 · OK

<100M
2508 CUs in <100M nationally 26 in OK

DFCU TULSA has 4 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.23% above tier average
  • + Members Per Employee (MPE): Top 1.1% in tier
  • + Total Members: Top 3.4% in tier
  • + Total Loans: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.09% above tier average
  • - Share Certificate Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 7,931
-1.1% YoY-1.2% QoQ
+5.3K 2,676
+1.6% YoY
27,625
+2.9% YoY
33,913
+5.7% YoY
Top 3.4% in tier
Assets $64.5M
+6.0% YoY+4.1% QoQ
+$34.3M $30.2M
+1.3% YoY
$413.6M
+5.6% YoY
$578.3M
+9.0% YoY
Top 14.9% in tier
Loans $43.9M
+4.0% YoY+0.0% QoQ
+$28.6M $15.3M
-2.0% YoY
$253.0M
+3.1% YoY
$402.4M
+8.7% YoY
Top 7.4% in tier
Deposits $55.1M
+6.1% YoY+4.6% QoQ
+$29.3M $25.8M
+0.7% YoY
$348.7M
+5.1% YoY
$494.3M
+9.1% YoY
85%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.4%
-36.7% YoY-43.3% QoQ
+0.2% 0.1%
-77.6% YoY
0.3%
+194.5% YoY
0.4%
-39.2% YoY
38%
NIM 3.1%
-8.1% YoY-9.9% QoQ
-0.9% 4.0%
+4.0% YoY
3.9%
+1.6% YoY
3.8%
+4.1% YoY
21%
Efficiency Ratio 79.4%
+6.4% YoY+11.3% QoQ
-11.2% 90.6%
+6.5% YoY
85.0%
-0.4% YoY
84.6%
+2.8% YoY
44%
Delinquency Rate 1.6%
+10.6% YoY-25.2% QoQ
+0.1 1.5%
+3.8% YoY
1.0%
-16.7% YoY
1.2%
+3.4% YoY
76%
Loan To Share 79.7%
-2.0% YoY-4.3% QoQ
+21.1% 58.5%
-3.0% YoY
68.5%
-1.8% YoY
65.6%
-1.4% YoY
81%
AMR $12,484
+6.4% YoY+3.8% QoQ
$-2K $14,884
-1.7% YoY
$18,267
+3.9% YoY
$19,920
+1.6% YoY
42%
CD Concentration 62.0%
+5.6% YoY-0.1% QoQ
+37.7% 24.3% 22.8% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 14.5% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
28
Members Per Employee (MPE)
engagement
Value: 991.375
Peer Median: 333.750
#28 of 2508 Top 1.1% in <100M tier
86
Total Members
engagement
Value: 7,931
Peer Median: 1,918
#86 of 2508 Top 3.4% in <100M tier
186
Total Loans
balance_sheet
Value: $43.90M
Peer Median: $9.48M
#186 of 2508 Top 7.4% in <100M tier
374
Total Assets
balance_sheet
Value: $64.46M
Peer Median: $21.86M
#374 of 2508 Top 14.9% in <100M tier
386
Total Deposits
balance_sheet
Value: $55.11M
Peer Median: $18.77M
#386 of 2508 Top 15.4% in <100M tier
472
Loan-to-Share Ratio
balance_sheet
Value: 79.65%
Peer Median: 58.72%
#472 of 2508 Top 18.8% in <100M tier
474
Deposit Growth Rate
growth
Value: 6.09%
Peer Median: 0.66%
#474 of 2508 Top 18.9% in <100M tier
485
AMR Growth Rate
growth
Value: 6.36%
Peer Median: 1.27%
#485 of 2508 Top 19.3% in <100M tier
493
Asset Growth Rate
growth
Value: 5.98%
Peer Median: 1.30%
#493 of 2508 Top 19.6% in <100M tier

Top Weaknesses (3 metrics)

2477
Share Certificate Concentration (%)
balance_sheet
Value: 62.02%
Peer Median: 12.45%
#2477 of 2508 Bottom 1.3% in <100M tier
1977
Net Interest Margin (NIM)
profitability
Value: 3.09%
Peer Median: 3.83%
#1977 of 2508 Bottom 21.2% in <100M tier
1905
Total Delinquency Rate (60+ days)
risk
Value: 1.60%
Peer Median: 0.65%
#1905 of 2508 Bottom 24.1% in <100M tier
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