BlastPoint's Credit Union Scorecard
U. S. EMPLOYEES O. C.
Charter #2744 · OK
U. S. EMPLOYEES O. C. has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 15.0% in tier
- + ROA 0.17% above tier average
- + Net Interest Margin 0.04% above tier average
- + AMR Growth Rate: Top 5.5% in tier
- + Net Worth Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.5% in tier
- - Stagnation Risk: Bottom 23.9% in tier
- - Institutional Decline: Bottom 28.9% in tier
- - Indirect Auto Dependency: Bottom 35.5% in tier
- - Liquidity Overhang: Bottom 76.1% in tier
- - Member decline: -16.3% YoY
- - Deposit Growth Rate: Bottom 1.2% in tier
- - Member Growth Rate: Bottom 1.3% in tier
- - Indirect Auto Concentration (%): Bottom 4.8% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,804
-16.3% YoY+0.6% QoQ
|
-633 |
15,437
-2.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$202.8M
-2.7% YoY-1.6% QoQ
|
$-29.0M |
$231.9M
+1.3% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$129.9M
-2.3% YoY+1.0% QoQ
|
$-17.5M |
$147.3M
-0.1% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$170.5M
-7.7% YoY-2.4% QoQ
|
$-30.3M |
$200.8M
+0.8% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
50% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+25.8% YoY+4.4% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
3.6%
+7.0% YoY+0.8% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
71.2%
-4.5% YoY-0.8% QoQ
|
-5.8% |
77.0%
-3.1% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.3%
-2.0% YoY+10.3% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.6% in tier |
| Loan To Share |
76.2%
+5.8% YoY+3.5% QoQ
|
+3.9% |
72.2%
-1.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$20,294
+13.0% YoY-1.6% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
25.6%
-12.8% YoY-4.1% QoQ
|
+1.2% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % |
44.9%
-0.5% YoY-0.5% QoQ
|
+31.1% | 13.8% | 14.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—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)