BlastPoint's Credit Union Scorecard
ARBUCKLE
Charter #24843 · OK
ARBUCKLE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.76% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 5.40% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 4.3% in tier
- - Net Worth Ratio: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,024
+3.0% YoY+0.8% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$10.5M
+6.4% YoY+2.2% QoQ
|
$-19.6M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$7.7M
-1.2% YoY-2.0% QoQ
|
$-8.1M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$9.1M
+6.4% YoY+1.2% QoQ
|
$-16.6M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.6%
-8.3% YoY+31.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
4.7%
+3.3% YoY+2.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
88.0%
-1.2% YoY-1.3% QoQ
|
+5.4% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.1%
-51.9% YoY-77.3% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
84.3%
-7.1% YoY-3.1% QoQ
|
+23.7% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$16,399
-0.2% YoY-1.1% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
48.5%
+16.2% YoY+0.3% QoQ
|
+24.0% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)