BlastPoint's Credit Union Scorecard
ALLEGIANCE
Charter #24936 · OK
ALLEGIANCE faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 4.78% 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 |
23,829
-0.3% YoY+0.1% QoQ
|
+8.7K |
15,145
-2.5% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
Top 13.5% in tier |
| Assets |
$372.3M
+2.4% YoY+1.7% QoQ
|
+$140.6M |
$231.7M
+0.8% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
Top 14.5% in tier |
| Loans |
$256.8M
+1.9% YoY-1.4% QoQ
|
+$112.6M |
$144.1M
+0.2% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
Top 11.6% in tier |
| Deposits |
$337.5M
+2.1% YoY+1.5% QoQ
|
+$136.4M |
$201.1M
+0.4% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
Top 12.1% in tier |
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| ROA |
0.6%
+65.8% YoY-30.9% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
3.6%
+3.1% YoY-1.7% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
47% |
| Efficiency Ratio |
82.8%
-4.9% YoY+7.3% QoQ
|
+4.8% |
78.0%
-1.7% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
0.4%
-20.5% YoY-25.5% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
37% |
| Loan To Share |
76.1%
-0.2% YoY-2.9% QoQ
|
+5.7% |
70.4%
-0.4% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$24,940
+2.3% YoY+0.1% QoQ
|
+$21 |
$24,918
+2.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
61% |
| CD Concentration |
23.7%
+7.2% YoY-0.1% QoQ
|
-0.5% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
14.6%
-30.1% YoY-8.7% QoQ
|
+0.8% | 13.8% | 14.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
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)