BlastPoint's Credit Union Scorecard
WEOKIE
Charter #24899 · OK
WEOKIE has 6 strengths but faces 2 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 17.0% in tier
- + Organic Growth Engine: Top 18.3% in tier
- + Emerging Performer: Top 25.0% in tier
- + ROA 0.08% above tier average
- + Strong member growth: 8.0% YoY
- + Member Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.3% in tier
- - Shrinking Wallet Share: Bottom 79.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,188
+8.0% YoY+0.5% QoQ
|
-29.2K |
97,431
-2.4% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$1.5B
+7.9% YoY+0.3% QoQ
|
$-254.7M |
$1.7B
+0.9% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$1.0B
+4.9% YoY+1.0% QoQ
|
$-199.3M |
$1.2B
+0.5% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$1.1B
+8.5% YoY+0.2% QoQ
|
$-398.5M |
$1.5B
+0.9% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.8%
+32.7% YoY+12.9% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
2.7%
+7.7% YoY+1.5% QoQ
|
-0.5% |
3.3%
+9.2% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
72.4%
-3.9% YoY-2.0% QoQ
|
-1.7% |
74.1%
-9.5% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.7%
-2.9% YoY-0.0% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
97.6%
-3.3% YoY+0.9% QoQ
|
+12.8% |
84.8%
-0.8% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$30,738
-1.2% YoY+0.1% QoQ
|
+$1K |
$29,428
+2.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
22.5%
-30.3% YoY-11.7% QoQ
|
-6.5% | 29.0% | 23.0% | 19.8% | 22% |
| Indirect Auto % |
14.5%
+3.0% YoY+0.3% QoQ
|
-3.8% | 18.3% | 14.8% | 7.8% | 47% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)