BlastPoint's Credit Union Scorecard

COMMUNICATION

Charter #3454 · OK

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 4 in OK

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COMMUNICATION has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Efficiency Ratio: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 23.9% in tier
- Credit Quality Pressure: Bottom 51.8% in tier
- Shrinking Wallet Share: Bottom 82.1% in tier
- ROA 0.25% below tier average
- Delinquency rate 0.29% above tier average
- Indirect Auto Concentration (%): Bottom 0.7% in tier
- Share Certificate Concentration (%): Bottom 0.7% in tier
- Net Charge-Off Rate: Bottom 2.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	132,568 +2.9% YoY+1.2% QoQ	+36.5K	96,048 -2.7% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	83%
Assets	$2.3B +8.4% YoY+2.2% QoQ	+$618.4M	$1.7B +0.4% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	80%
Loans	$1.6B -3.1% YoY+0.0% QoQ	+$390.1M	$1.2B +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	78%
Deposits	$2.0B +6.2% YoY+1.9% QoQ	+$542.7M	$1.5B +0.5% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -175.7% YoY-30.1% QoQ	-0.3%	0.7% +27.6% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	28%
NIM	3.0% +3.7% YoY-8.7% QoQ	-0.4%	3.4% +6.2% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	59.5% -4.3% YoY+8.6% QoQ	-15.1%	74.6% -3.0% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Top 5.6% in tier
Delinquency Rate	1.0% +2.7% YoY-22.1% QoQ	+0.3	0.8% +6.9% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	81%
Loan To Share	79.9% -8.8% YoY-1.8% QoQ	-3.3%	83.2% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	34%
AMR	$27,247 -1.0% YoY-0.1% QoQ	$-2K	$29,652 +2.3% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	44%
CD Concentration	56.5% +2.8% YoY-1.9% QoQ	+27.7%	28.8%	22.8%	19.8%	Top 0.5% in tier
Indirect Auto %	60.1% -3.1% YoY-0.1% QoQ	+42.0%	18.1%	14.5%	7.7%	Bottom 0.5% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk

#9 of 198 • Bottom 23.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.36%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 60.06%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.88%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#69 of 82 • Bottom 82.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.02%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Credit Quality Pressure

risk

#197 of 225 • Bottom 51.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (8 metrics)

Efficiency Ratio

profitability

Value: 59.50%

Peer Median: 75.16%

#18 of 306 Top 5.6% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 446.357

Peer Median: 345.077

#44 of 306 Top 14.1% in 1B-3B tier

Total Members

engagement

Value: 132,568

Peer Median: 85,918

#53 of 306 Top 17.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.42%

Peer Median: 33.05%

#57 of 306 Top 18.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.01B

Peer Median: $1.31B

#60 of 306 Top 19.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.34B

Peer Median: $1.51B

#62 of 306 Top 19.9% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.36%

Peer Median: 4.82%

#67 of 306 Top 21.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.60B

Peer Median: $1.11B

#68 of 306 Top 21.9% in 1B-3B tier

Top Weaknesses (7 metrics)

305

Indirect Auto Concentration (%)

balance_sheet

Value: 60.06%

Peer Median: 13.86%

#305 of 306 Bottom 0.7% in 1B-3B tier

305

Share Certificate Concentration (%)

balance_sheet

Value: 56.54%

Peer Median: 27.93%

#305 of 306 Bottom 0.7% in 1B-3B tier

301

Net Charge-Off Rate

risk

Value: 1.71%

Peer Median: 0.51%

#301 of 306 Bottom 2.0% in 1B-3B tier

279

Loan Growth Rate

growth

Value: -3.14%

Peer Median: 5.67%

#279 of 306 Bottom 9.2% in 1B-3B tier

250

AMR Growth Rate

growth

Value: -1.02%

Peer Median: 3.15%

#250 of 306 Bottom 18.6% in 1B-3B tier

250

Total Delinquency Rate (60+ days)

risk

Value: 1.05%

Peer Median: 0.63%

#250 of 306 Bottom 18.6% in 1B-3B tier

232

Net Interest Margin (NIM)

profitability

Value: 3.00%

Peer Median: 3.37%

#232 of 306 Bottom 24.5% in 1B-3B tier