BlastPoint's Credit Union Scorecard

TINKER

Charter #24524 · OK

Large 5B-7B
34 CUs in 5B-7B nationally 1 in OK
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TINKER has 7 strengths but faces 11 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 30.4% in tier
  • + Emerging Performer: Top 75.0% in tier
  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.72% above tier average
  • + Total Members: Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 2.9% in tier
  • + Net Worth Ratio: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 9.5% in tier
  • - Cost Spiral: Bottom 10.0% in tier
  • - Indirect Auto Dependency: Bottom 11.1% in tier
  • - Shrinking Wallet Share: Bottom 16.7% in tier
  • - Efficiency ratio 0.87% above tier (higher cost structure)
  • - Delinquency rate 0.13% above tier average
  • - Indirect Auto Concentration (%): Bottom 2.9% in tier
  • - AMR Growth Rate: Bottom 5.9% in tier
  • - Average Member Relationship (AMR): Bottom 5.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
  • - Fee Income Per Member: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 480,438
+2.3% YoY+0.7% QoQ
 +190.7K 289,724
-2.8% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 Top 2.9% in tier
Assets $6.2B
+2.4% YoY-0.1% QoQ
 +$372.9M $5.8B
+0.2% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 62%
Loans $3.5B
-1.5% YoY+0.2% QoQ
 $-621.5M $4.1B
-3.1% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 24%
Deposits $5.1B
+2.3% YoY-0.7% QoQ
 +$197.3M $4.9B
+2.2% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 68%

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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 0.9%
-38.7% YoY+8.6% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 62%
NIM 3.6%
+2.6% YoY+1.7% QoQ
 +0.7% 2.9%
+3.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 Top 14.7% in tier
Efficiency Ratio 69.0%
+12.1% YoY+0.5% QoQ
 +0.9% 68.1%
-1.7% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 50%
Delinquency Rate 0.8%
-21.4% YoY-9.5% QoQ
 +0.1 0.6%
-2.2% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 68%
Loan To Share 68.1%
-3.7% YoY+0.9% QoQ
 -15.6% 83.6%
-5.7% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 Bottom 11.8% in tier
AMR $17,789
-1.6% YoY-1.0% QoQ
 $-17K $34,398
+4.0% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 Bottom 2.9% in tier
CD Concentration 21.2%
-6.1% YoY-2.0% QoQ
 -7.7% 28.9%
-1.3% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 19%
Indirect Auto % 39.4%
-4.9% YoY-1.1% QoQ
 +22.8% 16.6%
-10.3% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 Top 6.2% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#46 of 50 • Top 30.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.31%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 39.38%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Emerging Performer

growth
#16 of 21 • Top 75.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 2.31%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
21 of 64 Large CUs have this signature | 288 nationally
→ Stable (17→21 CUs) +4 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline
#3 of 8 • Bottom 9.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
ROA (Prior Year): 1.47%
(Tier: 0.78%, National: 0.67%)
but better than tier avg
ROA Change (YoY): -0.57% points
(Tier: 0.13% points, National: 0.05% points)
worse than tier avg
8 of 64 Large CUs have this signature | 169 nationally
→ Stable (8→8 CUs) | New qualifier

Cost Spiral

risk
#2 of 3 • Bottom 10.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 7.43% points
(Tier: -1.02% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): 46.84%
(Tier: 43.13%, National: 63.68%)
worse than tier avg
3 of 64 Large CUs have this signature | 80 nationally
→ No prior data (3 CUs now) | New qualifier

Indirect Auto Dependency

risk
#12 of 33 • Bottom 11.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.36%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 39.38%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.31%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#9 of 15 • Bottom 16.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.56%
(Tier: 2.82%, National: 4.19%)
worse than tier avg
15 of 64 Large CUs have this signature | 346 nationally
↓ Shrinking -6 CUs YoY | Rank worsening

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 34 peers in tier

Top Strengths (5 metrics)

1
Total Members
engagement
Value: 480,438
Peer Avg: -
#1 of 34 Top 0.0% in 5B-7B tier
2
First Mortgage Concentration (%)
balance_sheet
Value: 9.77%
Peer Avg: -
#2 of 34 Top 2.9% in 5B-7B tier
3
Net Worth Ratio
risk
Value: 14.15%
Peer Avg: -
#3 of 34 Top 5.9% in 5B-7B tier
5
Net Interest Margin (NIM)
profitability
Value: 3.62%
Peer Avg: -
#5 of 34 Top 11.8% in 5B-7B tier
6
Share Certificate Concentration (%)
balance_sheet
Value: 21.20%
Peer Avg: -
#6 of 34 Top 14.7% in 5B-7B tier

Top Weaknesses (9 metrics)

34
Indirect Auto Concentration (%)
balance_sheet
Value: 39.38%
Peer Avg: -
#34 of 34 Bottom 2.9% in 5B-7B tier
33
AMR Growth Rate
growth
Value: -1.56%
Peer Avg: -
#33 of 34 Bottom 5.9% in 5B-7B tier
33
Average Member Relationship (AMR)
engagement
Value: $17,789
Peer Avg: -
#33 of 34 Bottom 5.9% in 5B-7B tier
33
Loan-to-Member Ratio (LMR)
engagement
Value: $7,204
Peer Avg: -
#33 of 34 Bottom 5.9% in 5B-7B tier
32
Fee Income Per Member
profitability
Value: $147.07
Peer Avg: -
#32 of 34 Bottom 8.8% in 5B-7B tier
30
Loan Growth Rate
growth
Value: -1.49%
Peer Avg: -
#30 of 34 Bottom 14.7% in 5B-7B tier
30
Loan-to-Share Ratio
balance_sheet
Value: 68.06%
Peer Avg: -
#30 of 34 Bottom 14.7% in 5B-7B tier
29
Deposit Growth Rate
growth
Value: 2.28%
Peer Avg: -
#29 of 34 Bottom 17.6% in 5B-7B tier
29
Net Charge-Off Rate
risk
Value: 0.94%
Peer Avg: -
#29 of 34 Bottom 17.6% in 5B-7B tier
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