BlastPoint's Credit Union Scorecard
U. S. EMPLOYEES O. C.
Charter #2744 · OK
U. S. EMPLOYEES O. C. has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 7.5% in tier
- + Credit Quality Leader: Top 50.7% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 0.03% above tier average
- + AMR Growth Rate: Top 2.5% in tier
- + Net Worth Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 0.5% in tier
- - Stagnation Risk: Bottom 2.1% in tier
- - Institutional Decline: Bottom 5.8% in tier
- - Indirect Auto Dependency: Bottom 6.0% in tier
- - Credit Quality Pressure: Bottom 25.0% in tier
- - Liquidity Overhang: Bottom 83.5% in tier
- - Member decline: -16.8% YoY
- - Member Growth Rate: Bottom 1.2% in tier
- - Indirect Auto Concentration (%): Bottom 5.4% in tier
- - Deposit Growth Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,711
-16.8% YoY-17.3% QoQ
|
-917 |
15,628
-3.4% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$206.1M
+1.1% YoY+1.7% QoQ
|
$-25.2M |
$231.3M
-0.0% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$128.7M
-3.7% YoY-0.5% QoQ
|
$-19.1M |
$147.8M
-1.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$174.8M
-2.7% YoY-1.9% QoQ
|
$-25.5M |
$200.3M
-0.0% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.9%
+16.9% YoY+0.3% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
3.6%
+6.7% YoY+1.7% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
71.8%
-4.1% YoY-0.7% QoQ
|
-5.5% |
77.3%
-3.0% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.2%
+22.5% YoY+3.6% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.6% in tier |
| Loan To Share |
73.6%
-1.1% YoY+1.4% QoQ
|
+0.9% |
72.7%
-1.5% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$20,629
+16.4% YoY+19.4% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
40% |
| CD Concentration |
26.7%
-3.8% YoY+0.0% QoQ
|
+2.3% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
45.1%
-0.0% YoY-0.6% QoQ
|
+31.2% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)