BlastPoint's Credit Union Scorecard

SAINT FRANCIS EMPLOYEES

Charter #19593 · OK

<100M

2508 CUs in <100M nationally 26 in OK

SAINT FRANCIS EMPLOYEES has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.05% above tier average
+ Total Members: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	5,910 -0.7% YoY+0.1% QoQ	+3.2K	2,676 +1.6% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	Top 9.1% in tier
Assets	$44.3M +2.0% YoY+3.1% QoQ	+$14.1M	$30.2M +1.3% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	73%
Loans	$14.3M -6.2% YoY-5.4% QoQ	$-970K	$15.3M -2.0% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	61%
Deposits	$36.8M +1.0% YoY+3.5% QoQ	+$11.0M	$25.8M +0.7% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	72%

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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	1.2% +9.8% YoY+4.9% QoQ	+1.0%	0.1% -77.6% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	76%
NIM	3.6% +8.8% YoY+2.8% QoQ	-0.4%	4.0% +4.0% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	70.6% -1.7% YoY+1.0% QoQ	-20.0%	90.6% +6.5% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.2% +42.7% YoY-28.6% QoQ	-1.3	1.5% +3.8% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	29%
Loan To Share	38.9% -7.1% YoY-8.6% QoQ	-19.6%	58.5% -3.0% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	20%
AMR	$8,645 -0.4% YoY+0.7% QoQ	$-6K	$14,884 -1.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	21%
CD Concentration	11.8% +4.7% YoY-1.1% QoQ	-12.5%	24.3%	22.8%	19.8%	50%
Indirect Auto %	30.7% -4.7% YoY-0.9% QoQ	+16.9%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

228

Total Members

engagement

Value: 5,910

Peer Median: 1,918

#228 of 2508 Top 9.1% in <100M tier

379

Members Per Employee (MPE)

engagement

Value: 492.500

Peer Median: 333.750

#379 of 2508 Top 15.1% in <100M tier

600

Return on Assets (ROA)

profitability

Value: 1.19%

Peer Median: 0.61%

#600 of 2508 Top 23.9% in <100M tier

Top Weaknesses (5 metrics)

2418

Indirect Auto Concentration (%)

balance_sheet

Value: 30.70%

Peer Median: 0.00%

#2418 of 2508 Bottom 3.6% in <100M tier

2058

Loan-to-Member Ratio (LMR)

engagement

Value: $2,421

Peer Median: $4,923

#2058 of 2508 Bottom 18.0% in <100M tier

2041

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.07%

#2041 of 2508 Bottom 18.7% in <100M tier

1991

Loan-to-Share Ratio

balance_sheet

Value: 38.91%

Peer Median: 58.72%

#1991 of 2508 Bottom 20.7% in <100M tier

1973

Average Member Relationship (AMR)

engagement

Value: $8,645

Peer Median: $13,926

#1973 of 2508 Bottom 21.4% in <100M tier