BlastPoint's Credit Union Scorecard
OTOE-MISSOURIA
Charter #24910 · OK
OTOE-MISSOURIA has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.3% in tier
- + Member Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 11.30% above tier (higher cost structure)
- - Delinquency rate 2.55% above tier average
- - Net Charge-Off Rate: Bottom 4.1% in tier
- - AMR Growth Rate: Bottom 7.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
720
+4.7% YoY+1.0% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$3.5M
+1.3% YoY+1.2% QoQ
|
$-26.7M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.2% in tier |
| Loans |
$2.1M
-13.9% YoY-4.9% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$3.1M
+2.2% YoY+2.5% QoQ
|
$-22.6M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
-0.5%
-156.3% YoY-1532.9% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.4% in tier |
| NIM |
7.2%
-8.2% YoY-2.5% QoQ
|
+3.2% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
93.9%
+12.7% YoY+4.1% QoQ
|
+11.3% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
4.1%
+31.8% YoY-14.4% QoQ
|
+2.5 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Top 8.3% in tier |
| Loan To Share |
68.0%
-15.8% YoY-7.2% QoQ
|
+7.4% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$7,240
-9.2% YoY-1.6% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
13.8%
+154.1% YoY-1.6% QoQ
|
-10.7% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 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)