BlastPoint's Credit Union Scorecard

ALLEGIANCE

Charter #24936 · OK

1077 CUs in 100M-500M nationally 17 in OK

ALLEGIANCE has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.03% above tier average
+ Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 9.0% in tier
- Membership Headwinds: Bottom 17.3% in tier
- Flatlined Growth: Bottom 29.1% in tier
- Indirect Auto Dependency: Bottom 29.7% in tier
- Member decline: -2.4% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	23,800 -2.4% YoY-0.7% QoQ	+8.2K	15,628 -3.4% YoY	27,533 +2.7% YoY	33,089 +6.1% YoY	85%
Assets	$358.4M +1.1% YoY-0.0% QoQ	+$127.1M	$231.3M -0.0% YoY	$405.5M +5.4% YoY	$547.7M +7.8% YoY	83%
Loans	$263.0M +0.4% YoY+4.2% QoQ	+$115.2M	$147.8M -1.4% YoY	$252.8M +1.3% YoY	$388.7M +8.6% YoY	Top 11.5% in tier
Deposits	$323.5M +0.1% YoY-0.9% QoQ	+$123.2M	$200.3M -0.0% YoY	$336.4M +4.6% YoY	$464.6M +9.3% YoY	Top 14.4% in tier

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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	0.8% +74.7% YoY+111.5% QoQ	+0.0%	0.8% +15.5% YoY	0.6% +31.7% YoY	0.7% +273.4% YoY	54%
NIM	3.6% +8.3% YoY+2.2% QoQ	+0.1%	3.6% +6.9% YoY	3.9% +3.8% YoY	3.7% +5.0% YoY	54%
Efficiency Ratio	76.2% -10.5% YoY-9.0% QoQ	-1.0%	77.3% -3.0% YoY	79.2% -1.1% YoY	79.1% -3.3% YoY	47%
Delinquency Rate	0.6% -29.0% YoY-16.1% QoQ	-0.2	0.9% +7.6% YoY	1.1% -4.2% YoY	1.2% -0.9% YoY	46%
Loan To Share	81.3% +0.3% YoY+5.2% QoQ	+8.6%	72.7% -1.5% YoY	71.1% -2.1% YoY	68.0% -1.7% YoY	67%
AMR	$24,642 +2.7% YoY+2.0% QoQ	+$279	$24,363 +2.9% YoY	$17,893 +3.6% YoY	$19,418 +1.3% YoY	63%
CD Concentration	23.0% -6.2% YoY+1.0% QoQ	-1.4%	24.4% +4.2% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.5% -30.8% YoY-8.9% QoQ	+3.6%	14.0% -5.7% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#149 of 550 • Bottom 9.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.37%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.62%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#286 of 550 • Bottom 17.3% in tier

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

Why This Signature

Member Growth (YoY): -2.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Flatlined Growth

risk

#31 of 58 • Bottom 29.1% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.06%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.82%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY

Indirect Auto Dependency

risk

#478 of 525 • Bottom 29.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.06%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.53%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (4 metrics)

124

Total Loans

balance_sheet

Value: $262.98M

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

155

Total Deposits

balance_sheet

Value: $323.50M

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

165

Total Members

engagement

Value: 23,800

Peer Avg: -

#165 of 1077 Top 15.2% in 100M-500M tier

181

Total Assets

balance_sheet

Value: $358.43M

Peer Avg: -

#181 of 1077 Top 16.7% in 100M-500M tier

Top Weaknesses (3 metrics)

873

Net Worth Ratio

risk

Value: 9.38%

Peer Avg: -

#873 of 1077 Bottom 19.0% in 100M-500M tier

863

Deposit Growth Rate

growth

Value: 0.12%

Peer Avg: -

#863 of 1077 Bottom 20.0% in 100M-500M tier

835

Member Growth Rate

growth

Value: -2.42%

Peer Avg: -

#835 of 1077 Bottom 22.6% in 100M-500M tier