BlastPoint's Credit Union Scorecard
MCALESTER AAP
Charter #5531 · OK
MCALESTER AAP has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.69% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Delinquency rate 1.28% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,361
-1.8% YoY-0.9% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$12.4M
+0.3% YoY-1.1% QoQ
|
$-17.4M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
37% |
| Loans |
$6.4M
-8.8% YoY-3.2% QoQ
|
$-9.3M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$7.8M
-1.5% YoY-2.2% QoQ
|
$-17.6M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
-0.3%
-110.7% YoY-130.4% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.7% in tier |
| NIM |
4.6%
-12.1% YoY+1.3% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
68.3%
+45.9% YoY+14.1% QoQ
|
-13.1% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
2.8%
+107.3% YoY+8.7% QoQ
|
+1.3 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Top 13.3% in tier |
| Loan To Share |
82.2%
-7.5% YoY-1.0% QoQ
|
+20.9% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$10,460
-3.2% YoY-1.8% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)