BlastPoint's Credit Union Scorecard

RED CROWN

Charter #2585 · OK

100M-500M

1070 CUs in 100M-500M nationally 18 in OK

RED CROWN faces 6 concerns requiring attention

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.61% below tier average
- Efficiency ratio 13.42% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	18,156 -2.0% YoY+1.1% QoQ	+3.0K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	70%
Assets	$260.0M +1.8% YoY+2.2% QoQ	+$28.3M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	66%
Loans	$151.9M +1.1% YoY+2.4% QoQ	+$7.8M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	62%
Deposits	$215.5M +0.6% YoY+2.4% QoQ	+$14.4M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	63%

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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% -102.8% YoY-111.3% QoQ	-0.6%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Bottom 12.1% in tier
NIM	3.2% +7.9% YoY+1.3% QoQ	-0.4%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	91.4% -70.0% YoY-16.2% QoQ	+13.4%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Bottom 12.2% in tier
Delinquency Rate	0.5% -53.5% YoY-41.5% QoQ	-0.3	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	39%
Loan To Share	70.5% +0.4% YoY+0.0% QoQ	+0.1%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	48%
AMR	$20,238 +2.9% YoY+1.2% QoQ	$-5K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	33%
CD Concentration	19.7% -10.7% YoY-4.6% QoQ	-4.6%	24.3%	22.8%	19.8%	50%
Indirect Auto %	19.7% -4.9% YoY-0.5% QoQ	+5.9%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#330 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.44%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 4.33% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Membership Headwinds

decline

#355 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#387 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.09%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.48%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#420 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 1.79%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 19.66%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.98%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

940

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: 0.69%

#940 of 1070 Bottom 12.2% in 100M-500M tier

940

Efficiency Ratio

profitability

Value: 91.44%

Peer Median: 78.68%

#940 of 1070 Bottom 12.2% in 100M-500M tier

839

Members Per Employee (MPE)

engagement

Value: 255.718

Peer Median: 309.176

#839 of 1070 Bottom 21.7% in 100M-500M tier