BlastPoint's Credit Union Scorecard
TTCU
Charter #24887 · OK
TTCU has 1 strength but faces 12 concerns
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How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 15.5% in tier
- - Institutional Decline: Bottom 20.7% in tier
- - Indirect Auto Dependency: Bottom 62.6% in tier
- - Shrinking Wallet Share: Bottom 66.7% in tier
- - Membership Headwinds: Bottom 69.0% in tier
- - Accelerating Exit Risk: Bottom 88.9% in tier
- - ROA 0.43% below tier average
- - Delinquency rate 0.67% above tier average
- - Net Charge-Off Rate: Bottom 0.3% in tier
- - Loan Growth Rate: Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 4.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
149,063
-1.5% YoY-0.4% QoQ
|
+51.6K |
97,431
-2.4% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
Top 12.9% in tier |
| Assets |
$2.7B
+4.8% YoY+1.5% QoQ
|
+$962.5M |
$1.7B
+0.9% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
Top 7.3% in tier |
| Loans |
$1.2B
-10.0% YoY-2.2% QoQ
|
$-9.1M |
$1.2B
+0.5% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$2.1B
+0.5% YoY+1.3% QoQ
|
+$689.2M |
$1.5B
+0.9% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
Top 13.2% in tier |
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| ROA |
0.3%
-422.7% YoY-10.8% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.6% in tier |
| NIM |
3.1%
-1.5% YoY-1.8% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
66.2%
-3.4% YoY+0.1% QoQ
|
-7.9% |
74.1%
-9.5% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.6%
-17.3% YoY+6.9% QoQ
|
+0.7 |
0.9%
+6.2% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Top 11.3% in tier |
| Loan To Share |
57.0%
-10.5% YoY-3.5% QoQ
|
-27.8% |
84.8%
-0.8% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.3% in tier |
| AMR |
$22,634
-2.1% YoY+0.5% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
29.5%
-1.1% YoY-1.8% QoQ
|
+0.4% | 29.0% | 23.0% | 19.8% | 54% |
| Indirect Auto % |
22.3%
-16.4% YoY-2.5% QoQ
|
+4.0% | 18.3% | 14.8% | 7.8% | 64% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)