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 0.12% above tier average
- + Net Interest Margin 0.68% above tier average
- + Net Worth Ratio: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.29% above tier average
- - Member decline: -3.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits -4.9% year over year ($7.6M in shares and deposits).
- Membership: 1,330 members, -3.2% vs a year ago.
- Delinquency rate 4.84%.
- Return on assets 1.62%.
- Efficiency ratio 61.89% vs a 88.77% peer average.
- Loan-to-share ratio 73.13% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,330
-3.2% YoY-0.5% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$12.4M
-1.4% YoY-0.7% QoQ
|
$-17.9M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$5.6M
-16.2% YoY-5.5% QoQ
|
$-9.9M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$7.6M
-4.9% YoY-1.6% QoQ
|
$-18.2M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
1.6%
+54.3% YoY-16.8% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
4.6%
+0.2% YoY-0.9% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
61.9%
+3.4% YoY+5.3% QoQ
|
-26.9% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Top 13.5% in tier |
| Delinquency Rate |
4.8%
+88.7% YoY+12.4% QoQ
|
+3.3 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.6% in tier |
| Loan To Share |
73.1%
-11.9% YoY-4.0% QoQ
|
+14.2% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$9,899
-7.0% YoY-2.8% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 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)