BlastPoint's Credit Union Scorecard

ENCENTUS

Charter #20015 · OK

2556 CUs in <100M nationally 27 in OK

ENCENTUS has 1 strength 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

  • + Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

  • - ROA 1.25% below tier average
  • - Efficiency ratio 18.97% above tier (higher cost structure)
  • - Delinquency rate 2.45% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 8.6% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 4,580
-0.8% YoY-0.3% QoQ
 +2.0K 2,615
-1.9% YoY
 27,482
+2.5% YoY
 33,374
+5.7% YoY
 83%
Assets $20.8M
+1.1% YoY-1.1% QoQ
 $-9.3M $30.1M
+2.1% YoY
 $405.9M
+5.4% YoY
 $561.6M
+9.7% YoY
 49%
Loans $7.3M
-8.5% YoY-3.6% QoQ
 $-8.5M $15.8M
-1.3% YoY
 $252.1M
+2.0% YoY
 $397.0M
+8.8% YoY
 43%
Deposits $17.7M
+5.6% YoY+2.4% QoQ
 $-8.0M $25.7M
+1.4% YoY
 $340.9M
+4.8% YoY
 $477.3M
+9.7% YoY
 49%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA -0.6%
+115.5% YoY+138.8% QoQ
 -1.3% 0.6%
+10.8% YoY
 0.5%
+4.6% YoY
 0.7%
+15.9% YoY
 Bottom 7.7% in tier
NIM 4.0%
-10.3% YoY-0.2% QoQ
 +0.1% 4.0%
+4.0% YoY
 3.9%
+3.6% YoY
 3.8%
+5.1% YoY
 54%
Efficiency Ratio 101.5%
+11.9% YoY+7.5% QoQ
 +19.0% 82.6%
-2.3% YoY
 81.1%
+0.6% YoY
 79.7%
-3.3% YoY
 Top 10.2% in tier
Delinquency Rate 4.0%
+93.9% YoY-2.0% QoQ
 +2.5 1.6%
-3.1% YoY
 1.2%
+8.0% YoY
 1.3%
-2.1% YoY
 Top 8.6% in tier
Loan To Share 41.2%
-13.4% YoY-5.9% QoQ
 -19.5% 60.6%
-3.1% YoY
 70.1%
-2.3% YoY
 67.4%
-1.7% YoY
 21%
AMR $5,463
+1.9% YoY+0.8% QoQ
 $-9K $14,783
-1.4% YoY
 $18,047
+3.6% YoY
 $19,687
+2.0% YoY
 Bottom 10.4% in tier
CD Concentration 5.7%
+8.6% YoY+4.4% QoQ
 -18.7% 24.4% 23.0% 19.8% 50%
Indirect Auto % 7.8%
-86.2% YoY+3.7% QoQ
 -6.0% 13.8% 14.8% 7.8% 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 2556 peers in tier

Top Strengths (4 metrics)

347
Members Per Employee (MPE)
engagement
Value: 508.889
Peer Median: -
#347 of 2556 Top 13.5% in <100M tier
429
Total Members
engagement
Value: 4,580
Peer Median: -
#429 of 2556 Top 16.7% in <100M tier
522
Fee Income Per Member
profitability
Value: $131.88
Peer Median: -
#522 of 2556 Top 20.4% in <100M tier
574
Deposit Growth Rate
growth
Value: 5.60%
Peer Median: -
#574 of 2556 Top 22.4% in <100M tier

Top Weaknesses (7 metrics)

2359
Return on Assets (ROA)
profitability
Value: -0.63%
Peer Median: -
#2359 of 2556 Bottom 7.7% in <100M tier
2336
Total Delinquency Rate (60+ days)
risk
Value: 4.01%
Peer Median: -
#2336 of 2556 Bottom 8.6% in <100M tier
2321
Loan-to-Member Ratio (LMR)
engagement
Value: $1,593
Peer Median: -
#2321 of 2556 Bottom 9.2% in <100M tier
2297
Efficiency Ratio
profitability
Value: 101.53%
Peer Median: -
#2297 of 2556 Bottom 10.2% in <100M tier
2296
Indirect Auto Concentration (%)
balance_sheet
Value: 7.75%
Peer Median: -
#2296 of 2556 Bottom 10.2% in <100M tier
2289
Average Member Relationship (AMR)
engagement
Value: $5,463
Peer Median: -
#2289 of 2556 Bottom 10.5% in <100M tier
2015
Loan-to-Share Ratio
balance_sheet
Value: 41.16%
Peer Median: -
#2015 of 2556 Bottom 21.2% in <100M tier
Link copied to clipboard!