BlastPoint's Credit Union Scorecard
GROWING OAKS
Charter #24919 · OK
GROWING OAKS has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.52% above tier average
- + Strong member growth: 12.5% YoY
- + Fee Income Per Member: Top 0.4% in tier
- + Member Growth Rate: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 8.85% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 4.8% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
- - First Mortgage Concentration (%): Bottom 9.2% 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 -2.5% year over year ($3.6M in shares and deposits).
- Membership: 504 members, +12.5% vs a year ago.
- Delinquency rate 0.80%.
- Return on assets 0.10%.
- Efficiency ratio 97.62% vs a 88.77% peer average.
- Loan-to-share ratio 83.39% 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 |
504
+12.5% YoY+2.2% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
Bottom 13.7% in tier |
| Assets |
$4.1M
-3.6% YoY+5.5% QoQ
|
$-26.2M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$3.0M
+4.2% YoY+7.9% QoQ
|
$-12.4M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$3.6M
-2.5% YoY+3.8% QoQ
|
$-22.2M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.1%
-93.5% YoY-101.6% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.6% in tier |
| NIM |
4.4%
+20.6% YoY+1.2% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
97.6%
+11.4% YoY-53.3% QoQ
|
+8.9% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.8%
-65.7% YoY+392.8% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
83.4%
+6.9% YoY+4.0% QoQ
|
+24.5% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$13,193
-10.7% YoY+3.4% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
47.5%
+5.4% YoY-1.6% QoQ
|
+22.9% | 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)