BlastPoint's Credit Union Scorecard
TINKER
Charter #24524 · OK
TINKER has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 45.5% in tier
- + ROA 0.07% above tier average
- + Net Interest Margin 0.79% above tier average
- + Net Worth Ratio: Top 2.7% in tier
- + First Mortgage Concentration (%): Top 2.7% in tier
- + Total Members: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 81.2% in tier
- - Indirect Auto Dependency: Bottom 93.8% in tier
- - Efficiency ratio 4.62% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 8.1% in tier
- - Loan-to-Share Ratio: Bottom 8.1% in tier
- - Indirect Auto Concentration (%): Bottom 8.1% in tier
- - Average Member Relationship (AMR): Bottom 8.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
484,290
+2.4% YoY+0.6% QoQ
|
+176.5K |
307,793
+7.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
Top 5.4% in tier |
| Assets |
$6.1B
-0.6% YoY+1.3% QoQ
|
+$361.4M |
$5.8B
-0.2% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$3.5B
+2.1% YoY+0.4% QoQ
|
$-664.2M |
$4.2B
+0.4% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$5.2B
+1.6% YoY+1.3% QoQ
|
+$325.3M |
$4.9B
+0.2% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
73% |
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| ROA |
0.9%
+8.3% YoY+6.1% QoQ
|
+0.1% |
0.9%
+47.0% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
3.9%
+11.1% YoY+6.1% QoQ
|
+0.8% |
3.2%
+9.8% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
71.2%
+1.8% YoY+0.3% QoQ
|
+4.6% |
66.6%
-11.0% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
0.7%
-24.5% YoY-26.1% QoQ
|
+0.0 |
0.7%
+23.3% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
66.9%
+0.5% YoY-0.8% QoQ
|
-17.9% |
84.7%
-0.7% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.4% in tier |
| AMR |
$17,988
-0.6% YoY+0.3% QoQ
|
$-14K |
$32,237
-7.3% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.4% in tier |
| CD Concentration |
20.1%
-6.7% YoY-2.7% QoQ
|
-8.6% | 28.6% | 22.8% | 19.8% | 17% |
| Indirect Auto % |
39.1%
-3.1% YoY+0.7% QoQ
|
+22.7% | 16.4% | 14.5% | 7.7% | Bottom 7.6% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)