BlastPoint's Credit Union Scorecard
RED CROWN
Charter #2585 · OK
RED CROWN faces 4 concerns requiring attention
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
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 13.71% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Oklahoma.
- Shares and deposits +1.6% year over year ($215M in shares and deposits).
- Membership: 18,433 members, +0.5% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 0.15%.
- Efficiency ratio 90.45% vs a 76.73% peer average.
- Loan-to-share ratio 72.03% vs a 71.54% 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 |
18,433
+0.5% YoY+1.5% QoQ
|
+3.3K |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$256.7M
+0.6% YoY-1.3% QoQ
|
+$24.6M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$154.8M
+4.7% YoY+1.9% QoQ
|
+$8.5M |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$214.9M
+1.6% YoY-0.3% QoQ
|
+$14.2M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
0.2%
-108.7% YoY+29.9% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.1% in tier |
| NIM |
3.3%
+8.3% YoY+3.2% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
90.4%
-31.8% YoY-1.1% QoQ
|
+13.7% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
0.4%
-70.3% YoY-14.3% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
72.0%
+3.1% YoY+2.2% QoQ
|
+0.5% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$20,057
+2.4% YoY-0.9% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
20.9%
-5.3% YoY+6.2% QoQ
|
-3.7% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
20.7%
+1.5% YoY+5.4% QoQ
|
+7.1% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
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.
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)