BlastPoint's Credit Union Scorecard

TRUE SKY

Charter #24934 · OK

Community 750M-1B

111 CUs in 750M-1B nationally 4 in OK

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TRUE SKY faces 8 concerns requiring attention

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 7.4% in tier
- Efficiency Drag: Bottom 25.5% in tier
- Credit Quality Pressure: Bottom 33.0% in tier
- Accelerating Exit Risk: Bottom 65.0% in tier
- Stagnation Risk: Bottom 65.0% in tier
- Membership Headwinds: Bottom 65.0% in tier
- Shrinking Wallet Share: Bottom 96.9% in tier
- ROA 0.62% below tier average

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 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Oklahoma.
Shares and deposits -6.3% year over year ($715M in shares and deposits).
Membership: 63,806 members, -1.1% vs a year ago.
Delinquency rate 0.96%.
Return on assets 0.22%.
Efficiency ratio 84.09% vs a 74.54% peer average.
Loan-to-share ratio 72.37% vs a 82.60% 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	63,806 -1.1% YoY+0.1% QoQ	+11.3K	52,482 +1.3% YoY	28,343 +3.0% YoY	34,678 +6.6% YoY	79%
Assets	$778.4M -5.4% YoY-2.3% QoQ	$-85.6M	$863.9M +0.5% YoY	$422.2M +5.5% YoY	$593.1M +10.2% YoY	Bottom 14.4% in tier
Loans	$517.7M -8.1% YoY-2.2% QoQ	$-90.1M	$607.8M +2.1% YoY	$261.4M +3.6% YoY	$418.6M +10.1% YoY	20%
Deposits	$715.3M -6.3% YoY-2.7% QoQ	$-24.6M	$739.9M +0.2% YoY	$356.1M +5.9% YoY	$504.8M +10.3% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -295.7% YoY	-0.6%	0.8% +30.4% YoY	0.8% +38.1% YoY	1.2% +121.4% YoY	Bottom 9.0% in tier
NIM	3.1% +7.5% YoY+8.0% QoQ	-0.5%	3.5% +6.2% YoY	4.0% +2.7% YoY	3.8% +2.3% YoY	22%
Efficiency Ratio	84.1% -2.2% YoY-3.2% QoQ	+9.6%	74.5% -1.4% YoY	80.0% +0.4% YoY	83.0% -5.3% YoY	84%
Delinquency Rate	1.0% +16.9% YoY+29.5% QoQ	+0.2	0.8% +1.0% YoY	0.9% -29.0% YoY	1.3% +2.6% YoY	72%
Loan To Share	72.4% -2.0% YoY+0.5% QoQ	-10.2%	82.6% +1.9% YoY	69.7% -2.0% YoY	66.4% -1.4% YoY	18%
AMR	$19,324 -6.0% YoY-2.6% QoQ	$-9K	$28,702 +0.4% YoY	$18,336 +3.3% YoY	$20,028 -0.9% YoY	Bottom 10.8% in tier
CD Concentration	25.5% -9.8% YoY-3.2% QoQ	+0.9%	24.6%	22.8%	20.0%	54%
Indirect Auto %	10.7% -6.3% YoY-5.9% QoQ	-2.9%	13.6%	14.2%	7.7%	56%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Shrinking Wallet Share

decline

#41 of 223 • Bottom 96.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.04%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 276 Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#11 of 46 • Bottom 65.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -6.04%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 276 Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Institutional Decline

decline

#73 of 230 • Bottom 7.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $778.39M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -1.06%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 276 Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Stagnation Risk

risk

#200 of 549 • Bottom 65.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.96%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Efficiency Drag

risk

#288 of 531 • Bottom 25.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.09%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.34% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -1.06%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#425 of 693 • Bottom 33.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Membership Headwinds

decline

#452 of 549 • Bottom 65.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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)

Compare against:

Comparing against 111 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 431.122

Peer Median: 322.694

#19 of 111 Top 16.2% in 750M-1B tier

Total Members

engagement

Value: 63,806

Peer Median: 52,842

#23 of 111 Top 19.8% in 750M-1B tier

Top Weaknesses (13 metrics)

111

Net Worth Ratio

risk

Value: 6.35%

Peer Median: 10.80%

#111 of 111 Bottom 0.9% in 750M-1B tier

109

Loan Growth Rate

growth

Value: -8.10%

Peer Median: 3.68%

#109 of 111 Bottom 2.7% in 750M-1B tier

109

Deposit Growth Rate

growth

Value: -6.25%

Peer Median: 4.45%

#109 of 111 Bottom 2.7% in 750M-1B tier

108

Asset Growth Rate

growth

Value: -5.35%

Peer Median: 4.77%

#108 of 111 Bottom 3.6% in 750M-1B tier

106

AMR Growth Rate

growth

Value: -6.04%

Peer Median: 4.04%

#106 of 111 Bottom 5.4% in 750M-1B tier

101

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: 0.81%

#101 of 111 Bottom 9.9% in 750M-1B tier

100

Loan-to-Member Ratio (LMR)

engagement

Value: $8,113

Peer Median: $11,611

#100 of 111 Bottom 10.8% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $19,324

Peer Median: $26,161

#99 of 111 Bottom 11.7% in 750M-1B tier

Total Assets

balance_sheet

Value: $778.39M

Peer Median: $860.94M

#95 of 111 Bottom 15.3% in 750M-1B tier

Efficiency Ratio

profitability

Value: 84.09%

Peer Median: 75.82%

#94 of 111 Bottom 16.2% in 750M-1B tier