BlastPoint's Credit Union Scorecard
GROWING OAKS
Charter #24919 · OK
2596 CUs in <100M nationally
27 in OK
GROWING OAKS has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.37% above tier average
- + Strong member growth: 16.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.3% in tier
- + Loan Growth Rate: Top 0.5% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 0.8% in tier
- + Member Growth Rate: Top 2.2% in tier
- + AMR Growth Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - Share Certificate Concentration (%): Bottom 3.8% in tier
- - Members Per Employee (MPE): Bottom 5.8% in tier
- - First Mortgage Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
468
+16.7% YoY+4.5% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Bottom 12.8% in tier |
| Assets |
$3.9M
+34.0% YoY-7.5% QoQ
|
$-25.9M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$2.7M
+43.7% YoY-5.5% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$3.4M
+32.4% YoY-7.8% QoQ
|
$-22.0M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
2.1%
-483.2% YoY+26.9% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Top 8.4% in tier |
| NIM |
3.8%
-18.2% YoY+2.8% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
76.5%
-24.1% YoY-12.8% QoQ
|
-4.9% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.2%
-93.3% YoY-90.3% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
79.9%
+8.5% YoY+2.5% QoQ
|
+18.7% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$13,183
+17.6% YoY-10.8% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
49.0%
+88.6% YoY+8.9% QoQ
|
+24.6% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
8
Fee Income Per Member
profitability
Value:
$1,085
Peer Avg: -
#8 of 2596
Top 0.3% in <100M tier
13
Loan Growth Rate
growth
Value:
43.73%
Peer Avg: -
#13 of 2596
Top 0.5% in <100M tier
19
Asset Growth Rate
growth
Value:
33.96%
Peer Avg: -
#19 of 2596
Top 0.7% in <100M tier
21
Deposit Growth Rate
growth
Value:
32.43%
Peer Avg: -
#21 of 2596
Top 0.8% in <100M tier
58
Member Growth Rate
growth
Value:
16.71%
Peer Avg: -
#58 of 2596
Top 2.2% in <100M tier
84
AMR Growth Rate
growth
Value:
17.58%
Peer Avg: -
#84 of 2596
Top 3.2% in <100M tier
219
Return on Assets (ROA)
profitability
Value:
2.05%
Peer Avg: -
#219 of 2596
Top 8.4% in <100M tier
583
Loan-to-Share Ratio
balance_sheet
Value:
79.91%
Peer Avg: -
#583 of 2596
Top 22.4% in <100M tier
Top Weaknesses (8 metrics)
2518
Net Charge-Off Rate
risk
Value:
3.04%
Peer Avg: -
#2518 of 2596
Bottom 3.0% in <100M tier
2498
Share Certificate Concentration (%)
balance_sheet
Value:
49.05%
Peer Avg: -
#2498 of 2596
Bottom 3.8% in <100M tier
2447
Members Per Employee (MPE)
engagement
Value:
93.600
Peer Avg: -
#2447 of 2596
Bottom 5.8% in <100M tier
2422
First Mortgage Concentration (%)
balance_sheet
Value:
52.44%
Peer Avg: -
#2422 of 2596
Bottom 6.7% in <100M tier
2263
Total Members
engagement
Value:
468
Peer Avg: -
#2263 of 2596
Bottom 12.9% in <100M tier
2181
Total Assets
balance_sheet
Value:
$3.91M
Peer Avg: -
#2181 of 2596
Bottom 16.0% in <100M tier
2140
Total Deposits
balance_sheet
Value:
$3.43M
Peer Avg: -
#2140 of 2596
Bottom 17.6% in <100M tier
2018
Total Loans
balance_sheet
Value:
$2.74M
Peer Avg: -
#2018 of 2596
Bottom 22.3% in <100M tier