BlastPoint's Credit Union Scorecard
U. S. EMPLOYEES O. C.
Charter #2744 · OK
U. S. EMPLOYEES O. C. has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - ROA 0.13% below tier average
- - Member decline: -13.6% YoY
- - Member Growth Rate: Bottom 1.6% in tier
- - Indirect Auto Concentration (%): Bottom 3.9% in tier
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 +1.8% year over year ($181M in shares and deposits).
- Membership: 15,372 members, -13.6% vs a year ago.
- Delinquency rate 0.20%.
- Return on assets 0.73%.
- Efficiency ratio 71.48% vs a 76.73% peer average.
- Loan-to-share ratio 80.30% 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 |
15,372
-13.6% YoY+2.3% QoQ
|
+203 |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$213.5M
+5.4% YoY+1.6% QoQ
|
$-18.5M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$145.7M
+12.7% YoY+4.7% QoQ
|
$-564K |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$181.4M
+1.8% YoY+2.0% QoQ
|
$-19.3M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.7%
-18.2% YoY-20.4% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
3.6%
+2.0% YoY-0.8% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
71.5%
-1.1% YoY+4.9% QoQ
|
-5.3% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.2%
-12.5% YoY-33.5% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
Top 10.4% in tier |
| Loan To Share |
80.3%
+10.7% YoY+2.7% QoQ
|
+8.8% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$21,281
+23.1% YoY+0.9% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
28.2%
+5.5% YoY+8.4% QoQ
|
+3.6% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
48.9%
+7.8% YoY+3.6% QoQ
|
+35.3% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
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)