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BlastPoint's Credit Union Scorecard

ARBUCKLE

Charter #24843 · OK

<100M
2508 CUs in <100M nationally 26 in OK

ARBUCKLE has 4 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.76% above tier average
  • + Net Interest Margin 0.60% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + Fee Income Per Member: Top 2.2% in tier

Key Concerns

Areas that may need attention

  • - Share Certificate Concentration (%): Bottom 3.8% in tier
  • - Net Worth Ratio: Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 1,014
+2.7% YoY-1.0% QoQ
-1.7K 2,676
+1.6% YoY
27,625
+2.9% YoY
33,913
+5.7% YoY
29%
Assets $10.4M
-0.6% YoY-0.9% QoQ
$-19.8M $30.2M
+1.3% YoY
$413.6M
+5.6% YoY
$578.3M
+9.0% YoY
32%
Loans $7.4M
-4.6% YoY-4.2% QoQ
$-7.9M $15.3M
-2.0% YoY
$253.0M
+3.1% YoY
$402.4M
+8.7% YoY
44%
Deposits $9.0M
-0.9% YoY-1.0% QoQ
$-16.8M $25.8M
+0.7% YoY
$348.7M
+5.1% YoY
$494.3M
+9.1% YoY
34%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.9%
+105.3% YoY+61.7% QoQ
+0.8% 0.1%
-77.6% YoY
0.3%
+194.5% YoY
0.4%
-39.2% YoY
65%
NIM 4.6%
+3.3% YoY-2.3% QoQ
+0.6% 4.0%
+4.0% YoY
3.9%
+1.6% YoY
3.8%
+4.1% YoY
80%
Efficiency Ratio 84.3%
-7.0% YoY-4.1% QoQ
-6.3% 90.6%
+6.5% YoY
85.0%
-0.4% YoY
84.6%
+2.8% YoY
56%
Delinquency Rate 0.0%
-100.0% YoY-100.0% QoQ
-1.5 1.5%
+3.8% YoY
1.0%
-16.7% YoY
1.2%
+3.4% YoY
Top 0.1% in tier
Loan To Share 81.6%
-3.7% YoY-3.2% QoQ
+23.1% 58.5%
-3.0% YoY
68.5%
-1.8% YoY
65.6%
-1.4% YoY
84%
AMR $16,152
-5.2% YoY-1.5% QoQ
+$1K $14,884
-1.7% YoY
$18,267
+3.9% YoY
$19,920
+1.6% YoY
61%
CD Concentration 49.6%
+16.1% YoY+2.4% QoQ
+25.3% 24.3% 22.8% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 14.5% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.65%
#1 of 2508 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
57
Fee Income Per Member
profitability
Value: $260.96
Peer Median: $60.42
#57 of 2508 Top 2.2% in <100M tier
328
Member Growth Rate
growth
Value: 2.74%
Peer Median: -1.37%
#328 of 2508 Top 13.0% in <100M tier
411
Loan-to-Share Ratio
balance_sheet
Value: 81.61%
Peer Median: 58.72%
#411 of 2508 Top 16.3% in <100M tier
513
Net Interest Margin (NIM)
profitability
Value: 4.60%
Peer Median: 3.83%
#513 of 2508 Top 20.4% in <100M tier
569
Loan-to-Member Ratio (LMR)
engagement
Value: $7,258
Peer Median: $4,923
#569 of 2508 Top 22.6% in <100M tier

Top Weaknesses (4 metrics)

2413
Share Certificate Concentration (%)
balance_sheet
Value: 49.61%
Peer Median: 12.45%
#2413 of 2508 Bottom 3.8% in <100M tier
2352
Net Worth Ratio
risk
Value: 8.33%
Peer Median: 14.28%
#2352 of 2508 Bottom 6.3% in <100M tier
2104
Members Per Employee (MPE)
engagement
Value: 202.800
Peer Median: 333.750
#2104 of 2508 Bottom 16.1% in <100M tier
2101
AMR Growth Rate
growth
Value: -5.23%
Peer Median: 1.27%
#2101 of 2508 Bottom 16.3% in <100M tier
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