BlastPoint's Credit Union Scorecard
OKLAHOMA EDUCATORS
Charter #61088 · OK
OKLAHOMA EDUCATORS has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + AMR Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.4% in tier
- + Average Member Relationship (AMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.09% below tier average
- - Member decline: -8.8% YoY
- - Members Per Employee (MPE): Bottom 0.7% in tier
- - Member Growth Rate: Bottom 4.5% in tier
- - Net Charge-Off Rate: Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,433
-8.8% YoY-2.7% QoQ
|
-3.7K |
15,145
-2.5% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$315.3M
+52.2% YoY+3.9% QoQ
|
+$83.6M |
$231.7M
+0.8% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
75% |
| Loans |
$155.6M
+8.3% YoY-2.0% QoQ
|
+$11.5M |
$144.1M
+0.2% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$245.7M
+67.6% YoY+5.7% QoQ
|
+$44.6M |
$201.1M
+0.4% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
0.6%
-11.2% YoY-7.3% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
2.9%
-36.9% YoY-18.1% QoQ
|
-0.8% |
3.6%
+4.6% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio |
69.8%
-7.1% YoY-4.3% QoQ
|
-8.2% |
78.0%
-1.7% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
0.6%
-13.3% YoY-23.0% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
47% |
| Loan To Share |
63.3%
-35.4% YoY-7.3% QoQ
|
-7.1% |
70.4%
-0.4% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$35,107
+51.6% YoY+5.5% QoQ
|
+$10K |
$24,918
+2.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
Top 9.8% in tier |
| CD Concentration |
17.9%
-43.1% YoY-0.2% QoQ
|
-6.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
6.1%
-43.7% YoY-10.6% QoQ
|
-7.7% | 13.8% | 14.5% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)