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
- + AMR Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.4% in tier
- + Asset Growth Rate: Top 0.7% 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 0.21% below tier average
- - Member decline: -9.9% YoY
- - Members Per Employee (MPE): Bottom 1.3% in tier
- - Member Growth Rate: Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 8.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Oklahoma.
- Shares and deposits +43.9% year over year ($240M in shares and deposits).
- Membership: 11,106 members, -9.9% vs a year ago.
- Delinquency rate 0.51%.
- Return on assets 0.65%.
- Efficiency ratio 71.97% vs a 76.73% peer average.
- Loan-to-share ratio 65.22% vs a 71.54% 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 |
11,106
-9.9% YoY-2.9% QoQ
|
-4.1K |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$305.2M
+28.0% YoY-3.2% QoQ
|
+$73.2M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$156.8M
+3.5% YoY+0.7% QoQ
|
+$10.5M |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$240.4M
+43.9% YoY-2.2% QoQ
|
+$39.7M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.6%
-27.9% YoY+1.2% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.3%
-25.3% YoY+15.0% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
72.0%
-1.1% YoY+3.1% QoQ
|
-4.8% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.5%
-30.4% YoY-12.4% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
65.2%
-28.1% YoY+3.0% QoQ
|
-6.3% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$35,760
+38.4% YoY+1.9% QoQ
|
+$11K |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
Top 9.8% in tier |
| CD Concentration |
18.2%
-29.3% YoY+1.3% QoQ
|
-6.4% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
5.3%
-42.7% YoY-13.0% QoQ
|
-8.3% | 13.6% | 14.2% | 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)