BlastPoint's Credit Union Scorecard
COMMUNICATION
Charter #3454 · OK
COMMUNICATION has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 27.1% in tier
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.9% in tier
- - Shrinking Wallet Share: Bottom 14.8% in tier
- - Credit Quality Pressure: Bottom 16.1% in tier
- - ROA 0.05% below tier average
- - Delinquency rate 0.48% above tier average
- - Indirect Auto Concentration (%): Bottom 0.3% in tier
- - Share Certificate Concentration (%): Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130,700
+3.5% YoY-0.2% QoQ
|
+32.0K |
98,678
-1.9% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$2.3B
+5.5% YoY+3.5% QoQ
|
+$535.0M |
$1.7B
+0.5% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
77% |
| Loans |
$1.6B
-1.5% YoY-0.6% QoQ
|
+$387.1M |
$1.2B
+0.5% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$1.9B
+3.0% YoY+2.0% QoQ
|
+$435.0M |
$1.5B
+1.3% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
77% |
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| ROA |
0.7%
-34.2% YoY+167.8% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
3.3%
+5.4% YoY+0.8% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
54.1%
+6.5% YoY-4.8% QoQ
|
-19.8% |
74.0%
-10.9% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
1.3%
+9.0% YoY+11.4% QoQ
|
+0.5 |
0.8%
+6.1% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Top 14.8% in tier |
| Loan To Share |
85.8%
-4.4% YoY-2.6% QoQ
|
+0.6% |
85.2%
-0.8% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$26,852
-2.5% YoY+1.0% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
56.3%
+1.0% YoY+3.1% QoQ
|
+27.4% |
29.0%
+0.7% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
Top 0.5% in tier |
| Indirect Auto % |
60.7%
-0.9% YoY-1.2% QoQ
|
+41.9% |
18.8%
-3.0% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)