BlastPoint's Credit Union Scorecard
OKLAHOMA EDUCATORS
Charter #61088 · OK
OKLAHOMA EDUCATORS has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.4% in tier
- + Wallet Share Momentum: Top 1.7% in tier
- + Net Interest Margin 0.37% above tier average
- + AMR Growth Rate: Top 0.6% in tier
- + Deposit Growth Rate: Top 1.5% in tier
- + Asset Growth Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 1.3% in tier
- - Membership Headwinds: Bottom 4.3% in tier
- - Credit Risk Growth: Bottom 19.0% in tier
- - Margin Compression: Bottom 22.7% in tier
- - Credit Quality Pressure: Bottom 25.3% in tier
- - ROA 0.01% below tier average
- - Member decline: -6.9% YoY
- - Members Per Employee (MPE): Bottom 0.9% in tier
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Member Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,168
-6.9% YoY-1.3% QoQ
|
-3.5K |
15,628
-3.4% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$276.4M
+27.1% YoY+16.0% QoQ
|
+$45.1M |
$231.3M
-0.0% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$165.1M
+9.3% YoY+9.0% QoQ
|
+$17.3M |
$147.8M
-1.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$194.9M
+29.6% YoY+16.7% QoQ
|
$-5.4M |
$200.3M
-0.0% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
0.8%
-28.9% YoY-13.3% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
51% |
| NIM |
3.9%
-10.7% YoY-10.9% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
72.8%
+1.3% YoY-0.1% QoQ
|
-4.5% |
77.3%
-3.0% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.6%
+6.4% YoY-13.8% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
84.7%
-15.7% YoY-6.6% QoQ
|
+12.0% |
72.7%
-1.5% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$29,583
+28.3% YoY+14.5% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
21.3%
-40.4% YoY-17.1% QoQ
|
-3.1% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
7.5%
-39.9% YoY-19.3% QoQ
|
-6.5% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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 (5)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)