BlastPoint's Credit Union Scorecard
GREEN COUNTRY
Charter #24613 · OK
GREEN COUNTRY has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.07% above tier average
- + Strong member growth: 18.8% YoY
- + Member Growth Rate: Top 1.5% in tier
- + Deposit Growth Rate: Top 3.2% in tier
- + Asset Growth Rate: Top 3.4% in tier
- + Loan Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 34.07% above tier (higher cost structure)
- - Delinquency rate 1.87% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - AMR Growth Rate: Bottom 5.7% in tier
- - Net Worth Ratio: Bottom 6.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Oklahoma.
- Shares and deposits +14.3% year over year ($146M in shares and deposits).
- Membership: 11,402 members, +18.8% vs a year ago.
- Delinquency rate 2.75%.
- Return on assets 0.93%.
- Efficiency ratio 110.80% vs a 76.73% peer average.
- Loan-to-share ratio 66.94% vs a 71.54% 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 |
11,402
+18.8% YoY+22.6% QoQ
|
-3.8K |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$155.4M
+14.1% YoY+20.1% QoQ
|
$-76.6M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$97.4M
+14.3% YoY+16.9% QoQ
|
$-48.9M |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$145.5M
+14.3% YoY+20.9% QoQ
|
$-55.2M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.9%
+177.2% YoY-333.5% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
3.5%
+28.3% YoY+10.2% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
39% |
| Efficiency Ratio |
110.8%
+31.0% YoY+7.6% QoQ
|
+34.1% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
2.7%
-56.4% YoY-44.9% QoQ
|
+1.9 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.4% in tier |
| Loan To Share |
66.9%
-0.0% YoY-3.3% QoQ
|
-4.6% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$21,307
-3.8% YoY-2.7% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
11.2%
+29.0% YoY+38.0% QoQ
|
-13.4% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
20.8%
-22.8% YoY-10.4% QoQ
|
+7.2% | 13.6% | 14.2% | 7.7% | 50% |
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 (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)