BlastPoint's Credit Union Scorecard
GROWING OAKS
Charter #24919 · OK
<100M
2508 CUs in <100M nationally
26 in OK
GROWING OAKS has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Strong member growth: 15.7% YoY
- + Loan Growth Rate: Top 1.8% in tier
- + Member Growth Rate: Top 2.3% in tier
- + Deposit Growth Rate: Top 3.9% in tier
- + Asset Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 6.62% below tier average
- - Efficiency ratio 118.46% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 4.3% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
493
+15.7% YoY+3.1% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
Bottom 13.6% in tier |
| Assets |
$3.9M
+11.1% YoY+2.0% QoQ
|
$-26.3M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$2.8M
+29.8% YoY-1.8% QoQ
|
$-12.5M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$3.5M
+13.8% YoY+3.3% QoQ
|
$-22.3M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
-6.5%
+51.1% YoY+1273.1% QoQ
|
-6.6% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.3% in tier |
| NIM |
4.4%
+15.6% YoY+4.8% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
209.1%
+47.9% YoY+124.9% QoQ
|
+118.5% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
0.2%
-94.5% YoY+76.1% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
80.2%
+14.1% YoY-4.9% QoQ
|
+21.7% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$12,766
+4.0% YoY-2.1% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
48.3%
+78.3% YoY-3.0% QoQ
|
+24.0% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
45
Loan Growth Rate
growth
Value:
29.80%
Peer Median: -2.36%
#45 of 2508
Top 1.8% in <100M tier
58
Member Growth Rate
growth
Value:
15.73%
Peer Median: -1.37%
#58 of 2508
Top 2.3% in <100M tier
100
Deposit Growth Rate
growth
Value:
13.79%
Peer Median: 0.66%
#100 of 2508
Top 3.9% in <100M tier
156
Asset Growth Rate
growth
Value:
11.09%
Peer Median: 1.30%
#156 of 2508
Top 6.2% in <100M tier
459
Loan-to-Share Ratio
balance_sheet
Value:
80.21%
Peer Median: 58.72%
#459 of 2508
Top 18.3% in <100M tier
536
Fee Income Per Member
profitability
Value:
$119.38
Peer Median: $60.42
#536 of 2508
Top 21.3% in <100M tier
Top Weaknesses (10 metrics)
2475
Return on Assets (ROA)
profitability
Value:
-6.47%
Peer Median: 0.61%
#2475 of 2508
Bottom 1.4% in <100M tier
2472
Efficiency Ratio
profitability
Value:
209.09%
Peer Median: 81.45%
#2472 of 2508
Bottom 1.5% in <100M tier
2401
Share Certificate Concentration (%)
balance_sheet
Value:
48.30%
Peer Median: 12.45%
#2401 of 2508
Bottom 4.3% in <100M tier
2353
Members Per Employee (MPE)
engagement
Value:
98.600
Peer Median: 333.750
#2353 of 2508
Bottom 6.2% in <100M tier
2342
Net Worth Ratio
risk
Value:
8.39%
Peer Median: 14.28%
#2342 of 2508
Bottom 6.7% in <100M tier
2258
First Mortgage Concentration (%)
balance_sheet
Value:
45.72%
Peer Median: 3.66%
#2258 of 2508
Bottom 10.0% in <100M tier
2167
Total Members
engagement
Value:
493
Peer Median: 1,918
#2167 of 2508
Bottom 13.6% in <100M tier
2123
Total Assets
balance_sheet
Value:
$3.87M
Peer Median: $21.86M
#2123 of 2508
Bottom 15.4% in <100M tier
2076
Total Deposits
balance_sheet
Value:
$3.49M
Peer Median: $18.77M
#2076 of 2508
Bottom 17.3% in <100M tier
1928
Total Loans
balance_sheet
Value:
$2.80M
Peer Median: $9.48M
#1928 of 2508
Bottom 23.2% in <100M tier