BlastPoint's Credit Union Scorecard
COMMUNICATION
Charter #3454 · OK
COMMUNICATION has 4 strengths but faces 8 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
- + Organic Growth Engine: Top 87.8% in tier
- + Net Interest Margin 0.01% above tier average
- + Efficiency Ratio: Top 1.7% in tier
- + Members Per Employee (MPE): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 26.2% in tier
- - Credit Quality Pressure: Bottom 38.1% in tier
- - Shrinking Wallet Share: Bottom 73.1% in tier
- - ROA 0.02% below tier average
- - Delinquency rate 0.45% above tier average
- - Indirect Auto Concentration (%): Bottom 0.3% in tier
- - Share Certificate Concentration (%): Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 2.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131,033
+2.6% YoY+0.3% QoQ
|
+33.6K |
97,431
-2.4% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$2.3B
+4.1% YoY+1.4% QoQ
|
+$563.8M |
$1.7B
+0.9% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$1.6B
-3.0% YoY-1.1% QoQ
|
+$368.6M |
$1.2B
+0.5% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$2.0B
+4.8% YoY+4.3% QoQ
|
+$510.8M |
$1.5B
+0.9% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.7%
+79.3% YoY+2.4% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
3.3%
+8.3% YoY-1.5% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
54.8%
+3.1% YoY+1.2% QoQ
|
-19.3% |
74.1%
-9.5% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate |
1.3%
+15.1% YoY+3.3% QoQ
|
+0.4 |
0.9%
+6.2% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
81.4%
-7.4% YoY-5.1% QoQ
|
-3.4% |
84.8%
-0.8% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$27,269
-1.4% YoY+1.6% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
57.6%
+1.9% YoY+2.3% QoQ
|
+28.6% | 29.0% | 23.0% | 19.8% | Top 0.5% in tier |
| Indirect Auto % |
60.1%
-2.7% YoY-1.0% QoQ
|
+41.8% | 18.3% | 14.8% | 7.8% | Top 0.3% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)