BlastPoint's Credit Union Scorecard
MCALESTER AAP
Charter #5531 · OK
MCALESTER AAP has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.80% above tier average
- + Net Interest Margin 0.61% above tier average
- + Net Worth Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.80% above tier average
- - Member decline: -3.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,337
-3.0% YoY-1.0% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$12.5M
-0.2% YoY+0.8% QoQ
|
$-17.7M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$5.9M
-11.9% YoY-4.8% QoQ
|
$-9.4M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$7.7M
-2.9% YoY+0.6% QoQ
|
$-18.1M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
1.9%
+141.6% YoY+40.8% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
Top 7.3% in tier |
| NIM |
4.6%
+2.8% YoY-1.0% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
58.8%
+13.6% YoY+0.0% QoQ
|
-31.9% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
4.3%
+84.1% YoY+68.0% QoQ
|
+2.8 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
76.2%
-9.3% YoY-5.3% QoQ
|
+17.7% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$10,181
-4.2% YoY-0.8% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
29% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.5% | 7.7% | 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)