BlastPoint's Credit Union Scorecard
TTCU
Charter #24887 · OK
TTCU has 1 strength but faces 13 concerns
How does the industry compare?
What's your peer group doing?
How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 5.9% in tier
- - Accelerating Exit Risk: Bottom 9.1% in tier
- - Shrinking Wallet Share: Bottom 11.5% in tier
- - Indirect Auto Dependency: Bottom 20.9% in tier
- - Membership Headwinds: Bottom 22.6% in tier
- - Stagnation Risk: Bottom 32.2% in tier
- - ROA 0.42% below tier average
- - Delinquency rate 0.63% above tier average
- - Loan Growth Rate: Bottom 1.6% in tier
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 5.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
- - AMR Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
149,736
-1.8% YoY-0.1% QoQ
|
+51.1K |
98,678
-1.9% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Top 13.5% in tier |
| Assets |
$2.6B
+2.4% YoY+3.2% QoQ
|
+$927.8M |
$1.7B
+0.5% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Top 9.2% in tier |
| Loans |
$1.3B
-11.9% YoY-1.6% QoQ
|
+$19.4M |
$1.2B
+0.5% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$2.1B
-0.5% YoY-1.2% QoQ
|
+$665.8M |
$1.5B
+1.3% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Top 14.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-326.1% YoY-2.2% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.2% in tier |
| NIM |
3.2%
+0.4% YoY+1.0% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
66.1%
-4.8% YoY+0.4% QoQ
|
-7.8% |
74.0%
-10.9% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.5%
-7.7% YoY-4.9% QoQ
|
+0.6 |
0.8%
+6.1% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Top 11.5% in tier |
| Loan To Share |
59.1%
-11.5% YoY-0.5% QoQ
|
-26.1% |
85.2%
-0.8% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.6% in tier |
| AMR |
$22,523
-3.3% YoY-1.2% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
30.0%
-2.5% YoY+0.9% QoQ
|
+1.0% |
29.0%
+0.7% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
56% |
| Indirect Auto % |
22.9%
-18.8% YoY-4.0% QoQ
|
+4.1% |
18.8%
-3.0% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
64% |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)