BlastPoint's Credit Union Scorecard

TTCU

Charter #24887 · OK

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 4 in OK

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TTCU has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Assets: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 26.6% in tier
- Indirect Auto Dependency: Bottom 57.9% in tier
- Shrinking Wallet Share: Bottom 81.6% in tier
- Stagnation Risk: Bottom 84.7% in tier
- Membership Headwinds: Bottom 84.7% in tier
- Accelerating Exit Risk: Bottom 84.7% in tier
- Delinquency rate 0.56% above tier average
- Loan Growth Rate: Bottom 2.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	147,698 -1.9% YoY-0.9% QoQ	+51.6K	96,048 -2.7% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	Top 12.1% in tier
Assets	$2.7B +4.3% YoY+0.4% QoQ	+$976.2M	$1.7B +0.4% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	Top 8.2% in tier
Loans	$1.2B -7.2% YoY-1.6% QoQ	$-7.5M	$1.2B +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	60%
Deposits	$2.2B -0.1% YoY+0.7% QoQ	+$698.5M	$1.5B +0.5% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	Top 13.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +197.2% QoQ	+0.0%	0.7% +27.6% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	58%
NIM	3.0% -2.7% YoY-3.5% QoQ	-0.4%	3.4% +6.2% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	68.3% +3.3% YoY+3.3% QoQ	-6.3%	74.6% -3.0% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	1.3% -9.7% YoY-15.6% QoQ	+0.6	0.8% +6.9% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	Bottom 11.1% in tier
Loan To Share	55.7% -7.0% YoY-2.3% QoQ	-27.4%	83.2% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	Bottom 5.2% in tier
AMR	$22,818 -0.9% YoY+0.8% QoQ	$-7K	$29,652 +2.3% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	18%
CD Concentration	29.1% -1.5% YoY-1.2% QoQ	+0.3%	28.8%	22.8%	19.8%	52%
Indirect Auto %	21.8% -14.1% YoY-2.5% QoQ	+3.7%	18.1%	14.5%	7.7%	64%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#13 of 91 • Bottom 84.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.86%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.16%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.32%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Institutional Decline

decline

#6 of 31 • Bottom 26.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $2.70B

(Tier: $2.16B, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.86%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.16%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

Indirect Auto Dependency

risk

#120 of 198 • Bottom 57.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.25%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.76%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.86%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Membership Headwinds

decline

#59 of 91 • Bottom 84.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.86%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Accelerating Exit Risk

decline

#10 of 12 • Bottom 84.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.86%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -0.93%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

12 of 384 Mid-Market CUs have this signature | 66 nationally

→ No prior data (12 CUs now) | New qualifier

Shrinking Wallet Share

decline

#71 of 82 • Bottom 81.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.93%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (7 metrics)

Total Assets

balance_sheet

Value: $2.70B

Peer Median: $1.51B

#25 of 306 Top 7.8% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.60%

Peer Median: 33.05%

#35 of 306 Top 11.1% in 1B-3B tier

Total Members

engagement

Value: 147,698

Peer Median: 85,918

#37 of 306 Top 11.8% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.16B

Peer Median: $1.31B

#41 of 306 Top 13.1% in 1B-3B tier

Fee Income Per Member

profitability

Value: $264.72

Peer Median: $191.54

#53 of 306 Top 17.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.23%

Peer Median: 10.85%

#53 of 306 Top 17.0% in 1B-3B tier

Efficiency Ratio

profitability

Value: 68.34%

Peer Median: 75.16%

#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (10 metrics)

298

Loan Growth Rate

growth

Value: -7.16%

Peer Median: 5.67%

#298 of 306 Bottom 2.9% in 1B-3B tier

298

Net Charge-Off Rate

risk

Value: 1.50%

Peer Median: 0.51%

#298 of 306 Bottom 2.9% in 1B-3B tier

292

Loan-to-Member Ratio (LMR)

engagement

Value: $8,167

Peer Median: $12,733

#292 of 306 Bottom 4.9% in 1B-3B tier

290

Loan-to-Share Ratio

balance_sheet

Value: 55.74%

Peer Median: 85.31%

#290 of 306 Bottom 5.6% in 1B-3B tier

273

Total Delinquency Rate (60+ days)

risk

Value: 1.32%

Peer Median: 0.63%

#273 of 306 Bottom 11.1% in 1B-3B tier

270

Deposit Growth Rate

growth

Value: -0.13%

Peer Median: 4.44%

#270 of 306 Bottom 12.1% in 1B-3B tier

256

Member Growth Rate

growth

Value: -1.86%

Peer Median: 2.03%

#256 of 306 Bottom 16.7% in 1B-3B tier

251

Average Member Relationship (AMR)

engagement

Value: $22,818

Peer Median: $28,178

#251 of 306 Bottom 18.3% in 1B-3B tier

248

AMR Growth Rate

growth

Value: -0.93%

Peer Median: 3.15%

#248 of 306 Bottom 19.3% in 1B-3B tier

233

Net Interest Margin (NIM)

profitability

Value: 3.00%

Peer Median: 3.37%

#233 of 306 Bottom 24.2% in 1B-3B tier