BlastPoint's Credit Union Scorecard
ENCENTUS
Charter #20015 · OK
ENCENTUS faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.31% below tier average
- - Efficiency ratio 13.74% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 6.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits +2.5% year over year ($17.8M in shares and deposits).
- Membership: 4,527 members, -1.2% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.18%.
- Efficiency ratio 102.51% vs a 88.77% peer average.
- Loan-to-share ratio 39.73% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,527
-1.2% YoY-0.8% QoQ
|
+1.9K |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$21.4M
+1.6% YoY-0.9% QoQ
|
$-8.9M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$7.1M
-8.4% YoY-0.3% QoQ
|
$-8.4M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$17.8M
+2.5% YoY-0.6% QoQ
|
$-8.0M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
49% |
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| ROA |
0.2%
-129.5% YoY-76.1% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.4% in tier |
| NIM |
3.7%
-7.7% YoY+2.0% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
102.5%
+7.4% YoY-4.6% QoQ
|
+13.7% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
0.6%
-76.3% YoY-73.9% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
39.7%
-10.6% YoY+0.3% QoQ
|
-19.2% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$5,491
+0.3% YoY+0.3% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.1% in tier |
| CD Concentration |
5.9%
+5.2% YoY+6.5% QoQ
|
-18.7% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
3.2%
-56.3% YoY-19.3% QoQ
|
-10.4% | 13.6% | 14.2% | 7.7% | 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)