BlastPoint's Credit Union Scorecard
OLD OCEAN
Charter #6175 · TX
OLD OCEAN demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.46% above tier average
- + Net Interest Margin 1.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,002
-1.8% YoY+0.2% QoQ
|
+376 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$40.3M
-0.3% YoY-2.0% QoQ
|
+$10.4M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$15.7M
+0.8% YoY-0.8% QoQ
|
$-89K |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$32.0M
-1.3% YoY-1.7% QoQ
|
+$6.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
68% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.1%
-14.4% YoY+16.6% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 7.0% in tier |
| NIM |
5.0%
-5.7% YoY+5.0% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
67.2%
+13.3% YoY-3.0% QoQ
|
-14.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.1%
-69.1% YoY-78.5% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
48.9%
+2.2% YoY+0.8% QoQ
|
-12.3% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$15,893
+1.2% YoY-1.6% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
1.9%
+3.1% YoY+2.9% QoQ
|
-22.5% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)