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BlastPoint's Credit Union Scorecard

WEOKIE

Charter #24899 · OK

Mid-Market 1B-3B
300 CUs in 1B-3B nationally 4 in OK
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WEOKIE has 3 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 37.1% in tier
  • + Organic Growth Engine: Top 37.1% in tier
  • + Emerging Performer: Top 46.4% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 20.3% 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 +4.1% year over year ($1.09B in shares and deposits).
  • Membership: 69,632 members, +3.3% vs a year ago.
  • Delinquency rate 0.64%.
  • Return on assets 0.82%.
  • Efficiency ratio 70.61% vs a 73.02% peer average.
  • Loan-to-share ratio 98.60% 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 69,632
+3.3% YoY+1.0% QoQ
-27.2K 96,861
-1.9% YoY
28,343
+3.0% YoY
34,678
+6.6% YoY
26%
Assets $1.5B
+3.3% YoY+0.3% QoQ
$-225.3M $1.7B
+0.4% YoY
$422.2M
+5.5% YoY
$593.1M
+10.2% YoY
48%
Loans $1.1B
+5.8% YoY+1.2% QoQ
$-156.4M $1.2B
+0.7% YoY
$261.4M
+3.6% YoY
$418.6M
+10.1% YoY
45%
Deposits $1.1B
+4.1% YoY+0.3% QoQ
$-370.2M $1.5B
+0.5% YoY
$356.1M
+5.9% YoY
$504.8M
+10.3% YoY
30%

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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%
+32.8% YoY+4.9% QoQ
+0.0% 0.8%
+27.6% YoY
0.8%
+38.1% YoY
1.2%
+121.4% YoY
56%
NIM 2.9%
+8.7% YoY+1.8% QoQ
-0.5% 3.4%
+6.6% YoY
4.0%
+2.7% YoY
3.8%
+2.3% YoY
16%
Efficiency Ratio 70.6%
-5.8% YoY-0.4% QoQ
-2.4% 73.0%
-2.7% YoY
80.0%
+0.4% YoY
83.0%
-5.3% YoY
36%
Delinquency Rate 0.6%
-1.4% YoY+1.8% QoQ
-0.2 0.9%
+7.3% YoY
0.9%
-29.0% YoY
1.3%
+2.6% YoY
45%
Loan To Share 98.6%
+1.6% YoY+0.9% QoQ
+13.9% 84.7%
+0.1% YoY
69.7%
-2.0% YoY
66.4%
-1.4% YoY
83%
AMR $31,177
+1.6% YoY-0.2% QoQ
+$2K $29,575
+1.5% YoY
$18,336
+3.3% YoY
$20,028
-0.9% YoY
66%
CD Concentration 35.8%
+7.3% YoY+1.3% QoQ
+6.7% 29.1% 22.8% 20.0% 79%
Indirect Auto % 14.4%
-4.0% YoY-0.8% QoQ
-3.7% 18.1% 14.2% 7.7% 46%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#65 of 112 • Top 37.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.33%
(Tier: 3.16%, National: 15.67%)
better than tier avg
Indirect Auto %: 14.39%
(Tier: 18.08%, National: 7.71%)
better than tier avg
112 of 377 Mid-Market CUs have this signature | 485 nationally
↓ Shrinking -20 CUs YoY | Rank worsening

Emerging Performer

growth
#53 of 82 • Top 46.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.82%
(Tier: 0.84%, National: 1.23%)
but worse than tier avg
Member Growth (YoY): 3.33%
(Tier: 3.16%, National: 15.67%)
better than tier avg
82 of 377 Mid-Market CUs have this signature | 283 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Engine

growth
#87 of 113 • Top 37.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.33%
(Tier: 3.16%, National: 15.67%)
better than tier avg
Return on Assets: 0.82%
(Tier: 0.84%, National: 1.23%)
but worse than tier avg
Indirect Auto %: 14.39%
(Tier: 18.08%, National: 7.71%)
better than tier avg
113 of 377 Mid-Market CUs have this signature | 490 nationally
↓ Shrinking -131 CUs YoY | Rank worsening

Concerns (1)

Liquidity Strain

risk
#81 of 168 • Bottom 20.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.60%
(Tier: 85.94%, National: 66.39%)
but better than tier avg
Loan Growth (YoY): 5.81%
(Tier: 6.76%, National: 78.26%)
worse than tier avg
168 of 377 Mid-Market CUs have this signature | 432 nationally
→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

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)

Comparing against 300 peers in tier

Top Strengths (4 metrics)

35
Fee Income Per Member
profitability
Value: $313.98
Peer Median: $204.73
#35 of 300 Top 11.3% in 1B-3B tier
52
Loan-to-Share Ratio
balance_sheet
Value: 98.60%
Peer Median: 87.07%
#52 of 300 Top 17.0% in 1B-3B tier
54
Net Worth Ratio
risk
Value: 13.45%
Peer Median: 10.91%
#54 of 300 Top 17.7% in 1B-3B tier
67
Loan-to-Member Ratio (LMR)
engagement
Value: $15,479
Peer Median: $12,809
#67 of 300 Top 22.0% in 1B-3B tier

Top Weaknesses (3 metrics)

252
Net Interest Margin (NIM)
profitability
Value: 2.92%
Peer Median: 3.46%
#252 of 300 Bottom 16.3% in 1B-3B tier
245
Share Certificate Concentration (%)
balance_sheet
Value: 35.82%
Peer Median: 28.24%
#245 of 300 Bottom 18.7% in 1B-3B tier
230
Members Per Employee (MPE)
engagement
Value: 296.306
Peer Median: 346.173
#230 of 300 Bottom 23.7% in 1B-3B tier
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