BlastPoint's Credit Union Scorecard
SAINT FRANCIS EMPLOYEES
Charter #19593 · OK
SAINT FRANCIS EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.0% YoY
- - Indirect Auto Concentration (%): Bottom 3.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,942
-2.0% YoY-0.4% QoQ
|
+3.3K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Top 9.5% in tier |
| Assets |
$43.9M
+2.3% YoY-0.0% QoQ
|
+$14.0M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$15.3M
-3.1% YoY-1.0% QoQ
|
$-472K |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$36.5M
+1.2% YoY-0.8% QoQ
|
+$11.0M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
1.0%
-13.5% YoY+4.4% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
3.4%
+4.5% YoY+1.7% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
71.0%
+3.0% YoY-0.7% QoQ
|
-10.3% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.3%
-73.8% YoY-66.1% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
41.9%
-4.3% YoY-0.2% QoQ
|
-19.3% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$8,716
+2.0% YoY-0.5% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
14.4%
+17.1% YoY+4.5% QoQ
|
-10.0% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
32.2%
-0.1% YoY+1.6% QoQ
|
+18.2% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)