BlastPoint's Credit Union Scorecard
TRUE SKY
Charter #24934 · OK
TRUE SKY faces 11 concerns requiring attention
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Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 26.9% in tier
- - Institutional Decline: Bottom 33.5% in tier
- - Membership Headwinds: Bottom 43.2% in tier
- - Efficiency Drag: Bottom 87.5% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 9.90% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
- - Member decline: -3.2% YoY
- - Net Worth Ratio: Bottom 0.9% in tier
- - Deposit Growth Rate: Bottom 6.8% in tier
- - Asset Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,138
-3.2% YoY-4.2% QoQ
|
+10.1K |
52,084
-1.6% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$799.2M
-1.7% YoY-2.4% QoQ
|
$-64.7M |
$863.9M
+0.5% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$547.6M
-2.9% YoY-2.0% QoQ
|
$-58.2M |
$605.8M
+1.4% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$737.9M
-2.2% YoY-2.5% QoQ
|
+$628K |
$737.3M
+0.1% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
0.0%
-101.8% YoY-117.0% QoQ
|
-0.7% |
0.7%
+39.1% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.1% in tier |
| NIM |
3.0%
+7.2% YoY+3.3% QoQ
|
-0.4% |
3.4%
+8.7% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
84.2%
-7.8% YoY-1.1% QoQ
|
+9.9% |
74.3%
-3.6% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.9%
-31.6% YoY+14.8% QoQ
|
+0.0 |
0.9%
+3.8% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
74.2%
-0.7% YoY+0.6% QoQ
|
-8.4% |
82.6%
+1.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$20,688
+0.7% YoY+2.0% QoQ
|
$-8K |
$28,873
+2.7% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
27.2%
-2.2% YoY-5.2% QoQ
|
+2.7% | 24.4% | 23.0% | 19.8% | 60% |
| Indirect Auto % |
11.8%
-9.0% YoY-2.6% QoQ
|
-2.0% | 13.8% | 14.8% | 7.8% | 56% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)