BlastPoint's Credit Union Scorecard
TINKER
Charter #24524 · OK
TINKER has 5 strengths but faces 7 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 60.6% in tier
- + Net Interest Margin 0.78% above tier average
- + Net Worth Ratio: Top 2.6% in tier
- + First Mortgage Concentration (%): Top 2.6% in tier
- + Total Members: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 100.0% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 4.36% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 5.1% in tier
- - Loan-to-Share Ratio: Bottom 7.7% in tier
- - Average Member Relationship (AMR): Bottom 7.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in Oklahoma.
- Shares and deposits +1.5% year over year ($5.20B in shares and deposits).
- Membership: 488,459 members, +2.4% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 0.82%.
- Efficiency ratio 69.54% vs a 65.18% peer average.
- Loan-to-share ratio 69.12% vs a 85.64% 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 |
488,459
+2.4% YoY+0.9% QoQ
|
+177.5K |
310,918
+6.0% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
Top 5.1% in tier |
| Assets |
$6.1B
-0.9% YoY-0.2% QoQ
|
+$329.3M |
$5.8B
-1.1% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$3.6B
+4.0% YoY+3.0% QoQ
|
$-606.2M |
$4.2B
-0.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$5.2B
+1.5% YoY-0.4% QoQ
|
+$304.8M |
$4.9B
-1.3% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
74% |
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| ROA |
0.8%
-1.5% YoY-11.7% QoQ
|
-0.1% |
0.9%
+35.3% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
4.0%
+11.7% YoY+1.0% QoQ
|
+0.8% |
3.2%
+9.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
69.5%
+1.3% YoY-2.3% QoQ
|
+4.4% |
65.2%
-9.0% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.6%
-25.2% YoY-9.4% QoQ
|
-0.2 |
0.8%
+23.8% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
69.1%
+2.5% YoY+3.4% QoQ
|
-16.5% |
85.6%
-0.2% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.1% in tier |
| AMR |
$18,003
+0.2% YoY+0.1% QoQ
|
$-14K |
$32,010
-7.3% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.1% in tier |
| CD Concentration |
20.1%
-7.1% YoY+0.2% QoQ
|
-8.2% | 28.3% | 22.8% | 20.0% | 17% |
| Indirect Auto % |
38.4%
-3.4% YoY-1.6% QoQ
|
+21.6% | 16.8% | 14.2% | 7.7% | Bottom 9.1% 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 (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)