BlastPoint's Credit Union Scorecard
TTCU
Charter #24887 · OK
TTCU has 2 strengths but faces 8 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
- + ROA 0.09% above tier average
- + Total Assets: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 26.9% in tier
- - Indirect Auto Dependency: Bottom 47.8% in tier
- - Stagnation Risk: Bottom 82.5% in tier
- - Membership Headwinds: Bottom 82.5% in tier
- - Delinquency rate 0.63% above tier average
- - Loan Growth Rate: Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 4.3% in tier
- - Net Charge-Off Rate: Bottom 5.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 4 that size in Oklahoma.
- Shares and deposits +1.5% year over year ($2.18B in shares and deposits).
- Membership: 147,634 members, -1.5% vs a year ago.
- Delinquency rate 1.49%.
- Return on assets 0.91%.
- Efficiency ratio 67.85% vs a 73.02% peer average.
- Loan-to-share ratio 55.09% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
147,634
-1.5% YoY-0.0% QoQ
|
+50.8K |
96,861
-1.9% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
Top 12.7% in tier |
| Assets |
$2.7B
+5.5% YoY+0.4% QoQ
|
+$981.9M |
$1.7B
+0.4% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Top 8.3% in tier |
| Loans |
$1.2B
-5.8% YoY-0.5% QoQ
|
$-34.4M |
$1.2B
+0.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$2.2B
+1.5% YoY+0.6% QoQ
|
+$714.7M |
$1.5B
+0.5% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
Top 13.3% in tier |
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| ROA |
0.9%
+212.5% YoY+20.4% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
3.1%
-2.4% YoY+1.9% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
67.8%
+3.0% YoY-0.7% QoQ
|
-5.2% |
73.0%
-2.7% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
1.5%
-3.1% YoY+12.9% QoQ
|
+0.6 |
0.9%
+7.3% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.7% in tier |
| Loan To Share |
55.1%
-7.2% YoY-1.2% QoQ
|
-29.6% |
84.7%
+0.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.0% in tier |
| AMR |
$22,880
+0.3% YoY+0.3% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
28.9%
-2.7% YoY-0.7% QoQ
|
-0.2% | 29.1% | 22.8% | 20.0% | 51% |
| Indirect Auto % |
21.4%
-10.3% YoY-1.7% QoQ
|
+3.3% | 18.1% | 14.2% | 7.7% | 64% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)