BlastPoint's Credit Union Scorecard

ENERGY ONE

Charter #256 · OK

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

ENERGY ONE has 1 strength but faces 9 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

+ Wallet Share Momentum: Top 62.1% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 5.4% in tier
- Credit Quality Pressure: Bottom 6.4% in tier
- Stagnation Risk: Bottom 18.4% in tier
- Credit Risk Growth: Bottom 19.2% in tier
- ROA 0.67% below tier average
- Efficiency ratio 1.86% above tier (higher cost structure)
- Delinquency rate 0.56% above tier average
- Member decline: -5.9% YoY
- Member Growth Rate: Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	17,427 -5.9% YoY-2.9% QoQ	+1.8K	15,628 -3.4% YoY	27,533 +2.7% YoY	33,089 +6.1% YoY	66%
Assets	$289.8M +6.5% YoY+5.6% QoQ	+$58.5M	$231.3M -0.0% YoY	$405.5M +5.4% YoY	$547.7M +7.8% YoY	72%
Loans	$160.8M +1.0% YoY+1.5% QoQ	+$13.0M	$147.8M -1.4% YoY	$252.8M +1.3% YoY	$388.7M +8.6% YoY	64%
Deposits	$235.0M -0.0% YoY-0.4% QoQ	+$34.8M	$200.3M -0.0% YoY	$336.4M +4.6% YoY	$464.6M +9.3% YoY	68%

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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	0.1% -46.0% YoY-75.3% QoQ	-0.7%	0.8% +15.5% YoY	0.6% +31.7% YoY	0.7% +273.4% YoY	Bottom 10.6% in tier
NIM	2.9% -0.6% YoY-0.1% QoQ	-0.6%	3.6% +6.9% YoY	3.9% +3.8% YoY	3.7% +5.0% YoY	18%
Efficiency Ratio	79.1% -7.3% YoY+1.6% QoQ	+1.9%	77.3% -3.0% YoY	79.2% -1.1% YoY	79.1% -3.3% YoY	57%
Delinquency Rate	1.4% +47.5% YoY-6.8% QoQ	+0.6	0.9% +7.6% YoY	1.1% -4.2% YoY	1.2% -0.9% YoY	84%
Loan To Share	68.4% +1.0% YoY+1.8% QoQ	-4.3%	72.7% -1.5% YoY	71.1% -2.1% YoY	68.0% -1.7% YoY	38%
AMR	$22,712 +6.7% YoY+3.4% QoQ	$-2K	$24,363 +2.9% YoY	$17,893 +3.6% YoY	$19,418 +1.3% YoY	52%
CD Concentration	34.9% +4.1% YoY+1.9% QoQ	+10.5%	24.4% +4.2% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	13.0% -25.4% YoY-7.7% QoQ	-0.9%	14.0% -5.7% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#299 of 481 • Top 62.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.73%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#90 of 550 • Bottom 5.4% in tier

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

Why This Signature

Member Growth (YoY): -5.93%

(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 | New qualifier

Credit Quality Pressure

risk

#160 of 736 • Bottom 6.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.46% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk

#304 of 550 • Bottom 18.4% 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): -5.93%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.01%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.41%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Risk Growth

risk

#288 of 446 • Bottom 19.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.01%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.46% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

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 (1 metrics)

236

AMR Growth Rate

growth

Value: 6.73%

Peer Avg: -

#236 of 1077 Top 21.8% in 100M-500M tier

Top Weaknesses (7 metrics)

998

Member Growth Rate

growth

Value: -5.93%

Peer Avg: -

#998 of 1077 Bottom 7.4% in 100M-500M tier

963

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Avg: -

#963 of 1077 Bottom 10.7% in 100M-500M tier

917

Share Certificate Concentration (%)

balance_sheet

Value: 34.87%

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier

903

Total Delinquency Rate (60+ days)

risk

Value: 1.41%

Peer Avg: -

#903 of 1077 Bottom 16.2% in 100M-500M tier

895

Net Charge-Off Rate

risk

Value: 0.77%

Peer Avg: -

#895 of 1077 Bottom 17.0% in 100M-500M tier

885

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Avg: -

#885 of 1077 Bottom 17.9% in 100M-500M tier

874

Deposit Growth Rate

growth

Value: -0.02%

Peer Avg: -

#874 of 1077 Bottom 18.9% in 100M-500M tier