BlastPoint's Credit Union Scorecard
COMMUNICATION
Charter #3454 · OK
COMMUNICATION has 2 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Efficiency Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 22.3% in tier
- - Credit Quality Pressure: Bottom 40.3% in tier
- - Delinquency rate 0.38% above tier average
- - Share Certificate Concentration (%): Bottom 0.3% in tier
- - Indirect Auto Concentration (%): Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 2.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 4 that size in Oklahoma.
- Shares and deposits +11.4% year over year ($2.06B in shares and deposits).
- Membership: 134,555 members, +2.7% vs a year ago.
- Delinquency rate 1.24%.
- Return on assets 1.04%.
- Efficiency ratio 54.29% vs a 73.02% peer average.
- Loan-to-share ratio 77.49% vs a 84.71% 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 |
134,555
+2.7% YoY+1.5% QoQ
|
+37.7K |
96,861
-1.9% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$2.4B
+9.4% YoY+2.0% QoQ
|
+$660.1M |
$1.7B
+0.4% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$1.6B
-1.9% YoY-0.3% QoQ
|
+$364.3M |
$1.2B
+0.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$2.1B
+11.4% YoY+2.7% QoQ
|
+$599.5M |
$1.5B
+0.5% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
1.0%
+325.6% YoY+122.0% QoQ
|
+0.2% |
0.8%
+27.6% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
3.4%
+2.3% YoY+12.9% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
54.3%
-4.6% YoY-8.8% QoQ
|
-18.7% |
73.0%
-2.7% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
1.2%
+6.0% YoY+18.3% QoQ
|
+0.4 |
0.9%
+7.3% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
77.5%
-12.0% YoY-3.0% QoQ
|
-7.2% |
84.7%
+0.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$27,211
+2.4% YoY-0.1% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
57.9%
+5.9% YoY+2.4% QoQ
|
+28.8% | 29.1% | 22.8% | 20.0% | Top 0.3% in tier |
| Indirect Auto % |
59.3%
-3.4% YoY-1.2% QoQ
|
+41.2% | 18.1% | 14.2% | 7.7% | Bottom 0.5% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
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.
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)