BlastPoint's Credit Union Scorecard
ALLEGIANCE
Charter #24936 · OK
ALLEGIANCE faces 1 concern requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.29% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Oklahoma.
- Shares and deposits +3.0% year over year ($336M in shares and deposits).
- Membership: 23,942 members, -0.1% vs a year ago.
- Delinquency rate 0.71%.
- Return on assets 0.87%.
- Efficiency ratio 78.02% vs a 76.73% peer average.
- Loan-to-share ratio 75.36% vs a 71.54% 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 |
23,942
-0.1% YoY+0.5% QoQ
|
+8.8K |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
Top 13.5% in tier |
| Assets |
$372.5M
+3.9% YoY+0.0% QoQ
|
+$140.5M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Top 14.6% in tier |
| Loans |
$253.4M
+0.4% YoY-1.3% QoQ
|
+$107.2M |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
Top 12.6% in tier |
| Deposits |
$336.3M
+3.0% YoY-0.4% QoQ
|
+$135.6M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
Top 12.7% in tier |
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| ROA |
0.9%
+124.5% YoY+53.5% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
3.6%
+1.2% YoY+1.1% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
78.0%
-6.9% YoY-5.8% QoQ
|
+1.3% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.7%
-4.0% YoY+59.0% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
75.4%
-2.5% YoY-1.0% QoQ
|
+3.8% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$24,631
+2.0% YoY-1.2% QoQ
|
$-475 |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
24.1%
+5.9% YoY+1.6% QoQ
|
-0.4% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
13.6%
-29.4% YoY-6.8% QoQ
|
+0.0% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)