BlastPoint's Credit Union Scorecard

TRUE SKY

Charter #24934 · OK

Community 750M-1B

117 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 6.8% in tier
- Efficiency Drag: Bottom 21.8% in tier
- Accelerating Exit Risk: Bottom 64.2% in tier
- Stagnation Risk: Bottom 64.2% in tier
- Membership Headwinds: Bottom 64.2% in tier
- Shrinking Wallet Share: Bottom 92.2% in tier
- ROA 0.80% below tier average
- Efficiency ratio 11.37% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	63,740 -1.1% YoY+2.6% QoQ	+12.2K	51,500 +0.7% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	81%
Assets	$797.0M -4.3% YoY-0.3% QoQ	$-68.6M	$865.6M +0.9% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	21%
Loans	$529.5M -2.5% YoY-3.3% QoQ	$-65.8M	$595.3M +1.6% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	30%
Deposits	$735.3M -5.1% YoY-0.4% QoQ	$-6.8M	$742.2M +0.6% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	48%

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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	-0.0%	-0.8%	0.8% +45.0% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Bottom 4.3% in tier
NIM	2.8% +0.9% YoY-6.2% QoQ	-0.6%	3.5% +6.1% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	Bottom 14.5% in tier
Efficiency Ratio	86.9% +4.5% YoY+3.2% QoQ	+11.4%	75.5% -3.4% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Bottom 14.5% in tier
Delinquency Rate	0.7% -40.7% YoY-19.2% QoQ	+0.1	0.7% -0.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	67%
Loan To Share	72.0% +2.7% YoY-3.0% QoQ	-8.6%	80.6% +0.7% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	22%
AMR	$19,843 -2.9% YoY-4.1% QoQ	$-9K	$28,908 +0.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	Bottom 10.3% in tier
CD Concentration	26.4% -3.9% YoY-3.0% QoQ	+2.1%	24.3%	22.8%	19.8%	59%
Indirect Auto %	11.4% -5.4% YoY-3.6% QoQ	-2.4%	13.8%	14.5%	7.7%	56%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#59 of 596 • Bottom 21.8% in tier

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

Why This Signature

Efficiency Ratio: 86.91%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#105 of 238 • Bottom 92.2% in tier

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

Why This Signature

AMR Growth (YoY): -2.93%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#27 of 53 • Bottom 64.2% in tier

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

Why This Signature

Member Growth (YoY): -1.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -2.93%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 284 Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Stagnation Risk

risk

#315 of 570 • Bottom 64.2% 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): -1.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.49%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.74%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#153 of 250 • Bottom 6.8% in tier

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

Why This Signature

Total Assets: $797.00M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.49%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#479 of 570 • Bottom 64.2% in tier

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

Why This Signature

Member Growth (YoY): -1.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | 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 117 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 433.605

Peer Median: 328.468

#20 of 117 Top 16.2% in 750M-1B tier

Total Members

engagement

Value: 63,740

Peer Median: 51,712

#22 of 117 Top 17.9% in 750M-1B tier

Top Weaknesses (13 metrics)

116

Net Worth Ratio

risk

Value: 6.09%

Peer Median: 10.69%

#116 of 117 Bottom 1.7% in 750M-1B tier

113

Asset Growth Rate

growth

Value: -4.29%

Peer Median: 4.88%

#113 of 117 Bottom 4.3% in 750M-1B tier

113

Deposit Growth Rate

growth

Value: -5.07%

Peer Median: 4.60%

#113 of 117 Bottom 4.3% in 750M-1B tier

112

Return on Assets (ROA)

profitability

Value: -0.04%

Peer Median: 0.63%

#112 of 117 Bottom 5.1% in 750M-1B tier

110

AMR Growth Rate

growth

Value: -2.93%

Peer Median: 3.70%

#110 of 117 Bottom 6.8% in 750M-1B tier

106

Loan-to-Member Ratio (LMR)

engagement

Value: $8,307

Peer Median: $11,598

#106 of 117 Bottom 10.3% in 750M-1B tier

105

Average Member Relationship (AMR)

engagement

Value: $19,843

Peer Median: $26,209

#105 of 117 Bottom 11.1% in 750M-1B tier

103

Loan Growth Rate

growth

Value: -2.49%

Peer Median: 4.33%

#103 of 117 Bottom 12.8% in 750M-1B tier

101

Efficiency Ratio

profitability

Value: 86.91%

Peer Median: 77.38%

#101 of 117 Bottom 14.5% in 750M-1B tier

100

Net Interest Margin (NIM)

profitability

Value: 2.83%

Peer Median: 3.47%

#100 of 117 Bottom 15.4% in 750M-1B tier