BlastPoint's Credit Union Scorecard
TINKER
Charter #24524 · OK
TINKER has 7 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 73.7% in tier
- + Organic Growth Engine: Top 88.7% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 0.67% above tier average
- + Total Members: Top 0.0% in tier
- + Net Worth Ratio: Top 2.9% in tier
- + First Mortgage Concentration (%): Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 0.0% in tier
- - Margin Compression: Bottom 0.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 3.72% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
- - Average Member Relationship (AMR): Bottom 5.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.7% in tier
- - Indirect Auto Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
481,250
+1.9% YoY+0.2% QoQ
|
+188.9K |
292,342
-2.4% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
Top 2.9% in tier |
| Assets |
$6.1B
+0.4% YoY-1.8% QoQ
|
+$308.1M |
$5.7B
-0.2% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$3.5B
+0.8% YoY+0.4% QoQ
|
$-689.8M |
$4.2B
-1.6% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.3% in tier |
| Deposits |
$5.2B
+2.4% YoY+1.4% QoQ
|
+$309.0M |
$4.8B
+0.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
0.9%
-33.3% YoY-3.2% QoQ
|
+0.1% |
0.8%
+27.9% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
3.7%
+5.4% YoY+2.5% QoQ
|
+0.7% |
3.0%
+8.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
71.0%
+13.2% YoY+2.9% QoQ
|
+3.7% |
67.3%
-3.7% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.9%
-21.9% YoY+23.5% QoQ
|
+0.2 |
0.8%
+17.5% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
67.4%
-1.5% YoY-1.0% QoQ
|
-18.5% |
85.9%
-2.6% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.6% in tier |
| AMR |
$17,936
-0.2% YoY+0.8% QoQ
|
$-16K |
$34,289
+3.5% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.9% in tier |
| CD Concentration |
20.6%
-6.6% YoY-2.8% QoQ
|
-8.5% | 29.1% | 23.0% | 19.8% | 16% |
| Indirect Auto % |
38.8%
-4.9% YoY-1.5% QoQ
|
+21.7% | 17.1% | 14.8% | 7.8% | Top 9.0% in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)