BlastPoint's Credit Union Scorecard
OTOE-MISSOURIA
Charter #24910 · OK
OTOE-MISSOURIA has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.30% above tier average
- + Fee Income Per Member: Top 7.2% in tier
- + Member Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 5.23% below tier average
- - Efficiency ratio 23.05% above tier (higher cost structure)
- - Delinquency rate 2.26% above tier average
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - AMR Growth Rate: Bottom 6.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
730
+4.6% YoY+1.4% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$3.5M
-1.1% YoY-0.4% QoQ
|
$-26.7M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.3% in tier |
| Loans |
$2.0M
-16.1% YoY-4.0% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$3.1M
+0.5% YoY+0.6% QoQ
|
$-22.7M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
-5.1%
+971.2% QoQ
|
-5.2% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.7% in tier |
| NIM |
6.3%
-16.8% YoY-12.2% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
113.7%
+23.3% YoY+21.1% QoQ
|
+23.0% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
3.8%
-31.5% YoY-8.4% QoQ
|
+2.3 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.4% in tier |
| Loan To Share |
64.9%
-16.5% YoY-4.6% QoQ
|
+6.3% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
59% |
| AMR |
$7,053
-10.8% YoY-2.6% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 15.0% in tier |
| CD Concentration |
13.8%
+157.5% YoY+0.2% QoQ
|
-10.5% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.5% | 7.7% | 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)