BlastPoint's Credit Union Scorecard
ENCENTUS
Charter #20015 · OK
ENCENTUS has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Efficiency ratio 13.09% above tier (higher cost structure)
- - Delinquency rate 2.58% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,593
-1.0% YoY+0.3% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$21.1M
-0.4% YoY+0.0% QoQ
|
$-8.8M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$7.6M
-8.6% YoY-1.9% QoQ
|
$-8.2M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$17.3M
+0.4% YoY-0.2% QoQ
|
$-8.1M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
-0.3%
+24.4% YoY-56.6% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.4% in tier |
| NIM |
4.0%
-9.2% YoY+0.7% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
94.5%
+5.4% YoY-1.0% QoQ
|
+13.1% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
4.1%
+3.3% YoY+61.1% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Top 8.2% in tier |
| Loan To Share |
43.7%
-9.0% YoY-1.6% QoQ
|
-17.5% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$5,418
-1.6% YoY-1.0% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
5.4%
+7.8% YoY-2.9% QoQ
|
-19.0% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
7.5%
-20.9% YoY+1.9% QoQ
|
-6.5% |
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)