BlastPoint's Credit Union Scorecard
OTOE-MISSOURIA
Charter #24910 · OK
OTOE-MISSOURIA has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.23% above tier average
- + Net Interest Margin 2.33% above tier average
- + Fee Income Per Member: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 22.20% above tier (higher cost structure)
- - Delinquency rate 3.00% above tier average
- - Net Charge-Off Rate: Bottom 1.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits +4.9% year over year ($3.1M in shares and deposits).
- Membership: 714 members, +1.1% vs a year ago.
- Delinquency rate 4.55%.
- Return on assets 3.73%.
- Efficiency ratio 110.96% vs a 88.77% peer average.
- Loan-to-share ratio 62.02% vs a 58.89% 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 |
714
+1.1% YoY-2.2% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$3.5M
+1.6% YoY-0.5% QoQ
|
$-26.8M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.0% in tier |
| Loans |
$1.9M
-13.3% YoY-4.0% QoQ
|
$-13.5M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$3.1M
+4.9% YoY+0.4% QoQ
|
$-22.7M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
3.7%
-173.3% QoQ
|
+2.2% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Top 2.9% in tier |
| NIM |
6.2%
-15.8% YoY-1.2% QoQ
|
+2.3% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
111.0%
+23.4% YoY-2.4% QoQ
|
+22.2% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate |
4.5%
-20.9% YoY+20.9% QoQ
|
+3.0 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.3% in tier |
| Loan To Share |
62.0%
-17.3% YoY-4.4% QoQ
|
+3.1% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$7,117
-4.0% YoY+0.9% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
15% |
| CD Concentration |
13.8%
-1.4% YoY+0.4% QoQ
|
-10.7% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 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)