BlastPoint's Credit Union Scorecard
RED CROWN
Charter #2585 · OK
RED CROWN has 1 strength but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 91.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.7% in tier
- - Membership Headwinds: Bottom 5.3% in tier
- - Institutional Decline: Bottom 7.8% in tier
- - Efficiency Drag: Bottom 16.7% in tier
- - Indirect Auto Dependency: Bottom 20.4% in tier
- - Stagnation Risk: Bottom 26.9% in tier
- - ROA 1.78% below tier average
- - Efficiency ratio 35.20% above tier (higher cost structure)
- - Delinquency rate 0.57% above tier average
- - Member decline: -6.0% YoY
- - Member Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,158
-6.0% YoY-1.0% QoQ
|
+2.5K |
15,628
-3.4% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$253.2M
+3.4% YoY-0.8% QoQ
|
+$21.9M |
$231.3M
-0.0% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$148.9M
-3.1% YoY+0.8% QoQ
|
+$1.1M |
$147.8M
-1.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$208.6M
+0.7% YoY-1.4% QoQ
|
+$8.3M |
$200.3M
-0.0% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
61% |
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| ROA |
-1.0%
-1080.8% YoY-42.5% QoQ
|
-1.8% |
0.8%
+15.5% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.8% in tier |
| NIM |
3.1%
-7.7% YoY+0.3% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
112.5%
+25.3% YoY-15.2% QoQ
|
+35.2% |
77.3%
-3.0% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
1.4%
+140.7% YoY+4.3% QoQ
|
+0.6 |
0.9%
+7.6% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
71.4%
-3.7% YoY+2.2% QoQ
|
-1.3% |
72.7%
-1.5% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$19,690
+5.4% YoY+0.5% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
21.0%
+6.2% YoY-4.6% QoQ
|
-3.4% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.8%
-8.2% YoY-3.1% QoQ
|
+5.8% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)