BlastPoint's Credit Union Scorecard

GREEN COUNTRY

Charter #24613 · OK

100M-500M

1070 CUs in 100M-500M nationally 18 in OK

GREEN COUNTRY has 1 strength but faces 8 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

+ Share Certificate Concentration (%): Top 7.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 1.13% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,303 -3.0% YoY-1.1% QoQ	-5.8K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	27%
Assets	$129.4M -5.2% YoY+1.9% QoQ	$-102.3M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	19%
Loans	$83.3M -6.2% YoY-0.4% QoQ	$-60.8M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	26%
Deposits	$120.3M -5.5% YoY+2.1% QoQ	$-80.8M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	24%

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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	-0.4% -205.3% YoY-173.3% QoQ	-1.1%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Bottom 3.8% in tier
NIM	3.2% +23.4% YoY+5.4% QoQ	-0.4%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	103.0% +30.3% YoY+20.0% QoQ	+25.0%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Bottom 2.3% in tier
Delinquency Rate	5.0% -24.2% YoY-24.1% QoQ	+4.2	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	Bottom 0.2% in tier
Loan To Share	69.2% -0.7% YoY-2.5% QoQ	-1.2%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	44%
AMR	$21,892 -2.9% YoY+2.3% QoQ	$-3K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	44%
CD Concentration	8.1% -16.6% YoY+1.0% QoQ	-16.2%	24.3%	22.8%	19.8%	50%
Indirect Auto %	23.2% -18.4% YoY-5.3% QoQ	+9.4%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#54 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 4.98%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Accelerating Exit Risk

decline

#12 of 53 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -2.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -2.90%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Efficiency Drag

risk

#223 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 102.99%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.78% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -2.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#107 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -2.90%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Membership Headwinds

decline

#268 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -2.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#138 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $129.37M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -2.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#448 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -5.16%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 23.22%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 8.11%

Peer Median: 23.10%

#82 of 1070 Top 7.6% in 100M-500M tier

142

Fee Income Per Member

profitability

Value: $239.07

Peer Median: $154.95

#142 of 1070 Top 13.2% in 100M-500M tier

Top Weaknesses (14 metrics)

1069

Total Delinquency Rate (60+ days)

risk

Value: 4.98%

Peer Median: 0.61%

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1046

Efficiency Ratio

profitability

Value: 102.99%

Peer Median: 78.68%

#1046 of 1070 Bottom 2.3% in 100M-500M tier

1040

Asset Growth Rate

growth

Value: -5.16%

Peer Median: 3.91%

#1040 of 1070 Bottom 2.9% in 100M-500M tier

1036

Deposit Growth Rate

growth

Value: -5.54%

Peer Median: 3.30%

#1036 of 1070 Bottom 3.3% in 100M-500M tier

1029

Return on Assets (ROA)

profitability

Value: -0.40%

Peer Median: 0.69%

#1029 of 1070 Bottom 3.9% in 100M-500M tier

992

Loan Growth Rate

growth

Value: -6.16%

Peer Median: 2.93%

#992 of 1070 Bottom 7.4% in 100M-500M tier

981

AMR Growth Rate

growth

Value: -2.90%

Peer Median: 3.46%

#981 of 1070 Bottom 8.4% in 100M-500M tier

930

Net Worth Ratio

risk

Value: 8.96%

Peer Median: 11.45%

#930 of 1070 Bottom 13.2% in 100M-500M tier

864

Total Assets

balance_sheet

Value: $129.37M

Peer Median: $196.57M

#864 of 1070 Bottom 19.3% in 100M-500M tier

860

Net Charge-Off Rate

risk

Value: 0.74%

Peer Median: 0.35%

#860 of 1070 Bottom 19.7% in 100M-500M tier