BlastPoint's Credit Union Scorecard

GREEN COUNTRY

Charter #24613 · OK

1077 CUs in 100M-500M nationally 17 in OK

GREEN COUNTRY has 2 strengths but faces 15 concerns

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Fee Income Per Member: Top 1.9% in tier
+ Share Certificate Concentration (%): Top 8.4% in tier

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 6.1% in tier
- Shrinking Wallet Share: Bottom 7.5% in tier
- Efficiency Drag: Bottom 10.9% in tier
- Institutional Decline: Bottom 21.5% in tier
- Membership Headwinds: Bottom 22.1% in tier
- Stagnation Risk: Bottom 23.5% in tier
- Indirect Auto Dependency: Bottom 28.1% in tier
- ROA 0.21% below tier average
- Efficiency ratio 6.19% above tier (higher cost structure)
- Delinquency rate 5.23% above tier average
- Total Delinquency Rate (60+ days): Bottom 0.1% in tier
- Deposit Growth Rate: Bottom 3.7% in tier
- Asset Growth Rate: Bottom 5.1% in tier
- AMR Growth Rate: Bottom 5.4% in tier
- Loan Growth Rate: Bottom 5.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,495 -1.7% YoY-1.0% QoQ	-6.1K	15,628 -3.4% YoY	27,533 +2.7% YoY	33,089 +6.1% YoY	26%
Assets	$130.9M -3.8% YoY-3.9% QoQ	$-100.4M	$231.3M -0.0% YoY	$405.5M +5.4% YoY	$547.7M +7.8% YoY	21%
Loans	$84.7M -8.0% YoY-0.7% QoQ	$-63.1M	$147.8M -1.4% YoY	$252.8M +1.3% YoY	$388.7M +8.6% YoY	25%
Deposits	$121.7M -4.6% YoY-4.4% QoQ	$-78.6M	$200.3M -0.0% YoY	$336.4M +4.6% YoY	$464.6M +9.3% YoY	27%

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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	0.6% +6.4% YoY+72.0% QoQ	-0.2%	0.8% +15.5% YoY	0.6% +31.7% YoY	0.7% +273.4% YoY	38%
NIM	2.9% +12.4% YoY+4.4% QoQ	-0.7%	3.6% +6.9% YoY	3.9% +3.8% YoY	3.7% +5.0% YoY	Bottom 14.4% in tier
Efficiency Ratio	83.5% -0.4% YoY-1.3% QoQ	+6.2%	77.3% -3.0% YoY	79.2% -1.1% YoY	79.1% -3.3% YoY	72%
Delinquency Rate	6.1% -11.3% YoY-3.4% QoQ	+5.2	0.9% +7.6% YoY	1.1% -4.2% YoY	1.2% -0.9% YoY	Top 0.1% in tier
Loan To Share	69.6% -3.7% YoY+3.9% QoQ	-3.1%	72.7% -1.5% YoY	71.1% -2.1% YoY	68.0% -1.7% YoY	40%
AMR	$21,736 -4.4% YoY-1.9% QoQ	$-3K	$24,363 +2.9% YoY	$17,893 +3.6% YoY	$19,418 +1.3% YoY	46%
CD Concentration	8.4% -3.8% YoY-2.9% QoQ	-16.0%	24.4% +4.2% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	25.6% -19.9% YoY-5.0% QoQ	+11.6%	14.0% -5.7% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Accelerating Exit Risk

decline

#17 of 58 • Bottom 6.1% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -4.42%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#76 of 244 • Bottom 7.5% in tier

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

Why This Signature

AMR Growth (YoY): -4.42%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Efficiency Drag

risk

#193 of 521 • Bottom 10.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.47%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Institutional Decline

decline

#170 of 256 • Bottom 21.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $130.92M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -8.05%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#364 of 550 • Bottom 22.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#387 of 550 • Bottom 23.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -8.05%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 6.09%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#453 of 525 • Bottom 28.1% in tier

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

Why This Signature

Asset Growth (YoY): -3.82%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 25.60%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

Fee Income Per Member

profitability

Value: $367.80

Peer Avg: -

#22 of 1077 Top 1.9% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.42%

Peer Avg: -

#92 of 1077 Top 8.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1077

Total Delinquency Rate (60+ days)

risk

Value: 6.09%

Peer Avg: -

#1077 of 1077 Bottom 0.1% in 100M-500M tier

1038

Deposit Growth Rate

growth

Value: -4.56%

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

1023

Asset Growth Rate

growth

Value: -3.82%

Peer Avg: -

#1023 of 1077 Bottom 5.1% in 100M-500M tier

1020

AMR Growth Rate

growth

Value: -4.42%

Peer Avg: -

#1020 of 1077 Bottom 5.4% in 100M-500M tier

1017

Loan Growth Rate

growth

Value: -8.05%

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

962

Net Worth Ratio

risk

Value: 8.85%

Peer Avg: -

#962 of 1077 Bottom 10.8% in 100M-500M tier

922

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Avg: -

#922 of 1077 Bottom 14.5% in 100M-500M tier

853

Total Assets

balance_sheet

Value: $130.92M

Peer Avg: -

#853 of 1077 Bottom 20.9% in 100M-500M tier

852

Indirect Auto Concentration (%)

balance_sheet

Value: 25.60%

Peer Avg: -

#852 of 1077 Bottom 21.0% in 100M-500M tier

811

Total Loans

balance_sheet

Value: $84.67M

Peer Avg: -

#811 of 1077 Bottom 24.8% in 100M-500M tier