BlastPoint's Credit Union Scorecard
GROWING OAKS
Charter #24919 · OK
2556 CUs in <100M nationally
27 in OK
GROWING OAKS has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Strong member growth: 15.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.5% in tier
- + Loan Growth Rate: Top 1.1% in tier
- + Member Growth Rate: Top 2.0% in tier
- + Deposit Growth Rate: Top 5.1% in tier
- + Asset Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Efficiency ratio 10.41% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 3.8% in tier
- - Net Charge-Off Rate: Bottom 6.5% in tier
- - Members Per Employee (MPE): Bottom 7.4% in tier
- - First Mortgage Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
478
+15.2% YoY+2.1% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
Bottom 12.9% in tier |
| Assets |
$3.8M
+11.5% YoY-3.1% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$2.9M
+37.3% YoY+4.1% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$3.4M
+13.2% YoY-1.4% QoQ
|
$-22.3M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.5%
-113.9% YoY-123.0% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.5% in tier |
| NIM |
4.2%
-2.3% YoY+10.5% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
93.0%
+16.4% YoY+21.5% QoQ
|
+10.4% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.1%
-97.1% YoY-59.3% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
84.4%
+21.2% YoY+5.6% QoQ
|
+23.7% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$13,042
+6.9% YoY-1.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
49.8%
+119.6% YoY+1.5% QoQ
|
+25.3% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
13
Fee Income Per Member
profitability
Value:
$859.47
Peer Median: -
#13 of 2556
Top 0.5% in <100M tier
30
Loan Growth Rate
growth
Value:
37.28%
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
52
Member Growth Rate
growth
Value:
15.18%
Peer Median: -
#52 of 2556
Top 2.0% in <100M tier
131
Deposit Growth Rate
growth
Value:
13.24%
Peer Median: -
#131 of 2556
Top 5.1% in <100M tier
170
Asset Growth Rate
growth
Value:
11.49%
Peer Median: -
#170 of 2556
Top 6.6% in <100M tier
405
Loan-to-Share Ratio
balance_sheet
Value:
84.35%
Peer Median: -
#405 of 2556
Top 15.8% in <100M tier
477
Total Delinquency Rate (60+ days)
risk
Value:
0.09%
Peer Median: -
#477 of 2556
Top 18.6% in <100M tier
481
AMR Growth Rate
growth
Value:
6.88%
Peer Median: -
#481 of 2556
Top 18.8% in <100M tier
Top Weaknesses (11 metrics)
2461
Share Certificate Concentration (%)
balance_sheet
Value:
49.77%
Peer Median: -
#2461 of 2556
Bottom 3.8% in <100M tier
2391
Net Charge-Off Rate
risk
Value:
1.88%
Peer Median: -
#2391 of 2556
Bottom 6.5% in <100M tier
2369
Members Per Employee (MPE)
engagement
Value:
119.500
Peer Median: -
#2369 of 2556
Bottom 7.4% in <100M tier
2350
First Mortgage Concentration (%)
balance_sheet
Value:
49.61%
Peer Median: -
#2350 of 2556
Bottom 8.1% in <100M tier
2314
Return on Assets (ROA)
profitability
Value:
-0.47%
Peer Median: -
#2314 of 2556
Bottom 9.5% in <100M tier
2226
Total Members
engagement
Value:
478
Peer Median: -
#2226 of 2556
Bottom 12.9% in <100M tier
2162
Total Assets
balance_sheet
Value:
$3.79M
Peer Median: -
#2162 of 2556
Bottom 15.5% in <100M tier
2117
Total Deposits
balance_sheet
Value:
$3.38M
Peer Median: -
#2117 of 2556
Bottom 17.2% in <100M tier
2103
Net Worth Ratio
risk
Value:
10.20%
Peer Median: -
#2103 of 2556
Bottom 17.8% in <100M tier
2055
Efficiency Ratio
profitability
Value:
92.96%
Peer Median: -
#2055 of 2556
Bottom 19.6% in <100M tier