BlastPoint's Credit Union Scorecard
MCALESTER AAP
Charter #5531 · OK
MCALESTER AAP has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
- + Net Interest Margin 0.71% 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 3.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.01% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,350
-1.2% YoY-0.8% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$12.4M
-1.3% YoY-0.5% QoQ
|
$-17.8M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$6.2M
-10.2% YoY-3.8% QoQ
|
$-9.6M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$7.7M
-3.5% YoY-1.7% QoQ
|
$-18.0M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
1.4%
-30.2% YoY-533.1% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
4.7%
-10.3% YoY+0.9% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
58.8%
+25.7% YoY-13.9% QoQ
|
-23.8% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.0% in tier |
| Delinquency Rate |
2.6%
+10.2% YoY-8.1% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
80.5%
-7.0% YoY-2.1% QoQ
|
+19.9% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$10,266
-5.5% YoY-1.9% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 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)