BlastPoint's Credit Union Scorecard
OKLAHOMA'S
Charter #24953 · OK
OKLAHOMA'S has 1 strength but faces 4 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
- + Strong member growth: 5.5% YoY
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.9% in tier
- - Indirect Auto Dependency: Bottom 13.9% in tier
- - Credit Quality Pressure: Bottom 32.2% in tier
- - Share Certificate Concentration (%): Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,921
+5.5% YoY+1.9% QoQ
|
+6.4K |
51,500
+0.7% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
67% |
| Assets |
$945.5M
+9.1% YoY+3.4% QoQ
|
+$79.8M |
$865.6M
+0.9% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
81% |
| Loans |
$672.1M
+11.6% YoY+5.4% QoQ
|
+$76.9M |
$595.3M
+1.6% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$756.2M
+8.0% YoY+4.3% QoQ
|
+$14.0M |
$742.2M
+0.6% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
0.7%
-1.3% YoY-11.7% QoQ
|
+0.0% |
0.8%
+45.0% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
3.4%
+5.2% YoY+1.4% QoQ
|
-0.1% |
3.5%
+6.1% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
74.6%
-2.0% YoY+1.2% QoQ
|
-1.0% |
75.5%
-3.4% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
0.3%
+116.6% YoY-0.9% QoQ
|
-0.4 |
0.7%
-0.1% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
88.9%
+3.4% YoY+1.0% QoQ
|
+8.3% |
80.6%
+0.7% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$24,660
+4.0% YoY+2.8% QoQ
|
$-4K |
$28,908
+0.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
45.7%
+2.3% YoY+0.6% QoQ
|
+21.4% | 24.3% | 22.8% | 19.8% | Top 3.1% in tier |
| Indirect Auto % |
39.5%
+5.2% YoY+5.3% QoQ
|
+25.7% | 13.8% | 14.5% | 7.7% | Bottom 8.9% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
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.
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)