BlastPoint's Credit Union Scorecard
ARBUCKLE
Charter #24843 · OK
ARBUCKLE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.1% in tier
- + Deposit Growth Rate: Top 5.5% in tier
- + Asset Growth Rate: Top 7.8% in tier
- + Member Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 7.74% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 4.1% in tier
- - Net Worth Ratio: Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,016
+4.0% YoY+0.8% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$10.3M
+10.4% YoY-3.2% QoQ
|
$-19.6M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$7.8M
+5.2% YoY+1.1% QoQ
|
$-7.9M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$9.0M
+12.5% YoY-2.9% QoQ
|
$-16.4M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
0.4%
-44.8% YoY-21.1% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
4.6%
+2.6% YoY+3.2% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
89.1%
+2.4% YoY-1.5% QoQ
|
+7.7% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.5%
+389.1% YoY+196.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
87.0%
-6.4% YoY+4.2% QoQ
|
+25.8% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 14.3% in tier |
| AMR |
$16,579
+4.8% YoY-1.9% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
48.3%
+23.5% YoY+5.0% QoQ
|
+23.9% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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)