BlastPoint's Credit Union Scorecard

ENCENTUS

Charter #20015 · OK

<100M

2508 CUs in <100M nationally 26 in OK

ENCENTUS has 1 strength but faces 4 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

+ ROA 0.60% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 16.80% above tier (higher cost structure)
- Delinquency rate 0.80% above tier average
- Net Charge-Off Rate: Bottom 5.9% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	4,563 -0.8% YoY-0.4% QoQ	+1.9K	2,676 +1.6% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	84%
Assets	$21.6M +0.6% YoY+3.6% QoQ	$-8.6M	$30.2M +1.3% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	50%
Loans	$7.1M -10.8% YoY-2.9% QoQ	$-8.2M	$15.3M -2.0% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	43%
Deposits	$17.9M +1.2% YoY+0.9% QoQ	$-7.9M	$25.8M +0.7% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	49%

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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	0.8% +157.3% YoY-219.3% QoQ	+0.6%	0.1% -77.6% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	58%
NIM	3.6% -10.6% YoY-10.0% QoQ	-0.4%	4.0% +4.0% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	107.4% +17.8% YoY+5.8% QoQ	+16.8%	90.6% +6.5% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Bottom 11.0% in tier
Delinquency Rate	2.3% -28.4% YoY-42.5% QoQ	+0.8	1.5% +3.8% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	84%
Loan To Share	39.6% -11.9% YoY-3.7% QoQ	-18.9%	58.5% -3.0% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	22%
AMR	$5,474 -1.7% YoY+0.2% QoQ	$-9K	$14,884 -1.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	Bottom 10.3% in tier
CD Concentration	5.5% -0.9% YoY-2.6% QoQ	-18.7%	24.3%	22.8%	19.8%	50%
Indirect Auto %	4.0% -44.2% YoY-48.8% QoQ	-9.8%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

408

Total Members

engagement

Value: 4,563

Peer Median: 1,918

#408 of 2508 Top 16.2% in <100M tier

493

Members Per Employee (MPE)

engagement

Value: 456.300

Peer Median: 333.750

#493 of 2508 Top 19.6% in <100M tier

510

Fee Income Per Member

profitability

Value: $122.21

Peer Median: $60.42

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (8 metrics)

2361

Net Charge-Off Rate

risk

Value: 2.19%

Peer Median: 0.07%

#2361 of 2508 Bottom 5.9% in <100M tier

2271

Loan-to-Member Ratio (LMR)

engagement

Value: $1,553

Peer Median: $4,923

#2271 of 2508 Bottom 9.5% in <100M tier

2249

Average Member Relationship (AMR)

engagement

Value: $5,474

Peer Median: $13,926

#2249 of 2508 Bottom 10.4% in <100M tier

2233

Efficiency Ratio

profitability

Value: 107.43%

Peer Median: 81.45%

#2233 of 2508 Bottom 11.0% in <100M tier

2224

Indirect Auto Concentration (%)

balance_sheet

Value: 3.97%

Peer Median: 0.00%

#2224 of 2508 Bottom 11.4% in <100M tier

2103

Total Delinquency Rate (60+ days)

risk

Value: 2.30%

Peer Median: 0.65%

#2103 of 2508 Bottom 16.2% in <100M tier

2002

Loan Growth Rate

growth

Value: -10.79%

Peer Median: -2.36%

#2002 of 2508 Bottom 20.2% in <100M tier

1961

Loan-to-Share Ratio

balance_sheet

Value: 39.62%

Peer Median: 58.72%

#1961 of 2508 Bottom 21.9% in <100M tier