BlastPoint's Credit Union Scorecard
OKLAHOMA'S
Charter #24953 · OK
OKLAHOMA'S has 3 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Strong member growth: 8.1% YoY
- + Member Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.6% in tier
- - Indirect Auto Dependency: Bottom 13.5% in tier
- - Liquidity Strain: Bottom 17.1% in tier
- - Credit Quality Pressure: Bottom 40.0% in tier
- - Share Certificate Concentration (%): Bottom 4.5% in tier
- - Indirect Auto Concentration (%): Bottom 9.9% in tier
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Oklahoma.
- Shares and deposits +8.0% year over year ($763M in shares and deposits).
- Membership: 60,077 members, +8.1% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 0.91%.
- Efficiency ratio 72.39% vs a 74.54% peer average.
- Loan-to-share ratio 90.11% vs a 82.60% 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 |
60,077
+8.1% YoY+3.7% QoQ
|
+7.6K |
52,482
+1.3% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$954.5M
+9.3% YoY+1.0% QoQ
|
+$90.5M |
$863.9M
+0.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Top 11.7% in tier |
| Loans |
$687.2M
+12.1% YoY+2.2% QoQ
|
+$79.4M |
$607.8M
+2.1% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$762.6M
+8.0% YoY+0.9% QoQ
|
+$22.7M |
$739.9M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
0.9%
+28.5% YoY+26.0% QoQ
|
+0.1% |
0.8%
+30.4% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
3.5%
+6.9% YoY+4.0% QoQ
|
+0.0% |
3.5%
+6.2% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
72.4%
-4.8% YoY-2.9% QoQ
|
-2.1% |
74.5%
-1.4% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.3%
+51.6% YoY-0.5% QoQ
|
-0.5 |
0.8%
+1.0% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
Top 11.7% in tier |
| Loan To Share |
90.1%
+3.8% YoY+1.4% QoQ
|
+7.5% |
82.6%
+1.9% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$24,133
+1.6% YoY-2.1% QoQ
|
$-5K |
$28,702
+0.4% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
46.0%
+2.2% YoY+0.7% QoQ
|
+21.4% | 24.6% | 22.8% | 20.0% | Top 3.0% in tier |
| Indirect Auto % |
39.6%
+5.7% YoY+0.1% QoQ
|
+26.0% | 13.6% | 14.2% | 7.7% | Bottom 8.5% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)