BlastPoint's Credit Union Scorecard
ALLEGIANCE
Charter #24936 · OK
ALLEGIANCE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 0.03% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 81.7% in tier
- - Membership Headwinds: Bottom 86.6% in tier
- - Indirect Auto Dependency: Bottom 91.3% in tier
- - Efficiency ratio 0.18% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,798
-1.0% YoY-0.0% QoQ
|
+8.4K |
15,437
-2.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
Top 14.5% in tier |
| Assets |
$366.2M
+3.5% YoY+2.2% QoQ
|
+$134.4M |
$231.9M
+1.3% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$260.5M
+0.2% YoY-1.0% QoQ
|
+$113.1M |
$147.3M
-0.1% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
Top 11.8% in tier |
| Deposits |
$332.4M
+2.4% YoY+2.7% QoQ
|
+$131.6M |
$200.8M
+0.8% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
Top 13.1% in tier |
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| ROA |
0.8%
+70.1% YoY+0.2% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.6%
+7.1% YoY-0.3% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
77.2%
-9.0% YoY+1.2% QoQ
|
+0.2% |
77.0%
-3.1% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.6%
-20.1% YoY-3.3% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
78.4%
-2.1% YoY-3.6% QoQ
|
+6.1% |
72.2%
-1.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$24,913
+2.5% YoY+1.1% QoQ
|
+$236 |
$24,676
+3.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
23.8%
+7.3% YoY+3.3% QoQ
|
-0.7% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % |
16.0%
-30.3% YoY-8.9% QoQ
|
+2.2% | 13.8% | 14.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)