BlastPoint's Credit Union Scorecard

WEOKIE

Charter #24899 · OK

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

WEOKIE has 7 strengths but faces 4 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

+ Organic Growth Leader: Top 10.0% in tier
+ Organic Growth Engine: Top 10.0% in tier
+ Emerging Performer: Top 39.7% in tier
+ ROA 0.07% above tier average
+ Strong member growth: 8.3% YoY
+ Fee Income Per Member: Top 9.8% in tier
+ Member Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 16.4% in tier
- Credit Risk Growth: Bottom 43.4% in tier
- Credit Quality Pressure: Bottom 57.9% in tier
- Shrinking Wallet Share: Bottom 80.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	68,969 +8.3% YoY+1.1% QoQ	-27.1K	96,048 -2.7% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	26%
Assets	$1.5B +6.8% YoY+1.8% QoQ	$-224.9M	$1.7B +0.4% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	47%
Loans	$1.1B +6.8% YoY+2.9% QoQ	$-148.9M	$1.2B +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	45%
Deposits	$1.1B +8.3% YoY+2.7% QoQ	$-375.7M	$1.5B +0.5% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	28%

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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% +21.2% YoY+2.6% QoQ	+0.1%	0.7% +27.6% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	62%
NIM	2.9% +6.6% YoY+4.8% QoQ	-0.5%	3.4% +6.2% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	70.9% -5.8% YoY-2.1% QoQ	-3.7%	74.6% -3.0% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.6% +0.4% YoY-10.7% QoQ	-0.1	0.8% +6.9% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	50%
Loan To Share	97.7% -1.4% YoY+0.1% QoQ	+14.5%	83.2% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	Top 14.7% in tier
AMR	$31,241 -0.7% YoY+1.6% QoQ	+$2K	$29,652 +2.3% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	67%
CD Concentration	35.3% +7.8% YoY+56.9% QoQ	+6.5%	28.8%	22.8%	19.8%	79%
Indirect Auto %	14.5% +2.9% YoY-0.2% QoQ	-3.6%	18.1%	14.5%	7.7%	48%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#20 of 116 • Top 10.0% in tier

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

Why This Signature

Member Growth (YoY): 8.28%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 14.50%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Emerging Performer

growth

#23 of 79 • Top 39.7% 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: 0.78%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 8.28%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Organic Growth Engine

growth

#42 of 115 • Top 10.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.28%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.78%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 14.50%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk

#63 of 148 • Bottom 16.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.70%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.80%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Credit Risk Growth

risk

#161 of 183 • Bottom 43.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.80%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Shrinking Wallet Share

decline

#76 of 82 • Bottom 80.3% in tier

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

Why This Signature

AMR Growth (YoY): -0.68%

(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 improving

Credit Quality Pressure

risk

#220 of 225 • Bottom 57.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 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 (6 metrics)

Fee Income Per Member

profitability

Value: $304.84

Peer Median: $191.54

#31 of 306 Top 9.8% in 1B-3B tier

Member Growth Rate

growth

Value: 8.28%

Peer Median: 2.03%

#31 of 306 Top 9.8% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.70%

Peer Median: 85.31%

#45 of 306 Top 14.4% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.27%

Peer Median: 10.85%

#51 of 306 Top 16.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.27%

Peer Median: 4.44%

#63 of 306 Top 20.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,439

Peer Median: $12,733

#66 of 306 Top 21.2% in 1B-3B tier

Top Weaknesses (4 metrics)

254

Net Interest Margin (NIM)

profitability

Value: 2.87%

Peer Median: 3.37%

#254 of 306 Bottom 17.3% in 1B-3B tier

251

Share Certificate Concentration (%)

balance_sheet

Value: 35.35%

Peer Median: 27.93%

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

244

AMR Growth Rate

growth

Value: -0.68%

Peer Median: 3.15%

#244 of 306 Bottom 20.6% in 1B-3B tier

243

Members Per Employee (MPE)

engagement

Value: 293.485

Peer Median: 345.077

#243 of 306 Bottom 20.9% in 1B-3B tier