BlastPoint's Credit Union Scorecard
OTOE-MISSOURIA
Charter #24910 · OK
OTOE-MISSOURIA has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.43% above tier average
- + Strong member growth: 6.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.9% in tier
- + Member Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 8.74% above tier (higher cost structure)
- - Delinquency rate 3.29% above tier average
- - Net Charge-Off Rate: Bottom 5.3% in tier
- - AMR Growth Rate: Bottom 6.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
713
+6.1% YoY+1.0% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$3.5M
-0.3% YoY+1.3% QoQ
|
$-26.4M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.4% in tier |
| Loans |
$2.2M
-12.8% YoY-1.2% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$3.0M
-0.9% YoY+1.2% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
0.0%
-96.7% YoY-19.1% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
7.4%
-7.6% YoY-0.5% QoQ
|
+3.4% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 0.8% in tier |
| Efficiency Ratio |
90.1%
+10.0% YoY+0.2% QoQ
|
+8.7% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
77% |
| Delinquency Rate |
4.8%
+76.2% YoY-16.6% QoQ
|
+3.3 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Top 6.5% in tier |
| Loan To Share |
73.2%
-12.1% YoY-2.4% QoQ
|
+12.0% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$7,357
-11.7% YoY-0.8% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
14.0%
+162.8% YoY-0.4% QoQ
|
-10.4% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)