BlastPoint's Credit Union Scorecard
GREEN COUNTRY
Charter #24613 · OK
GREEN COUNTRY has 2 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 2.2% in tier
- + Share Certificate Concentration (%): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 15.5% in tier
- - Stagnation Risk: Bottom 17.0% in tier
- - Accelerating Exit Risk: Bottom 20.0% in tier
- - Efficiency Drag: Bottom 20.9% in tier
- - Membership Headwinds: Bottom 65.5% in tier
- - Institutional Decline: Bottom 69.0% in tier
- - Indirect Auto Dependency: Bottom 88.9% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 8.81% above tier (higher cost structure)
- - Delinquency rate 5.67% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.1% in tier
- - Deposit Growth Rate: Bottom 0.6% in tier
- - Asset Growth Rate: Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,411
-1.9% YoY-0.9% QoQ
|
-6.0K |
15,437
-2.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$127.0M
-7.8% YoY-3.0% QoQ
|
$-104.9M |
$231.9M
+1.3% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$83.7M
-7.4% YoY-1.2% QoQ
|
$-63.7M |
$147.3M
-0.1% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$117.8M
-9.2% YoY-3.2% QoQ
|
$-83.0M |
$200.8M
+0.8% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.5%
+12.0% YoY-5.8% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
3.0%
+18.2% YoY+5.8% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
85.8%
-0.0% YoY+2.8% QoQ
|
+8.8% |
77.0%
-3.1% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
6.6%
-2.0% YoY+7.7% QoQ
|
+5.7 |
0.9%
+4.2% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
71.0%
+2.1% YoY+2.1% QoQ
|
-1.2% |
72.2%
-1.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$21,407
-6.7% YoY-1.5% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
8.0%
-19.1% YoY-4.7% QoQ
|
-16.4% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % |
24.5%
-19.9% YoY-4.2% QoQ
|
+10.7% | 13.8% | 14.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)