BlastPoint's Credit Union Scorecard
OKLAHOMA CENTRAL
Charter #62322 · OK
OKLAHOMA CENTRAL has 6 strengths but faces 3 concerns
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How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Interest Margin 0.10% above tier average
- + Total Delinquency Rate (60+ days): Top 6.1% in tier
- + Total Assets: Top 6.1% in tier
- + Net Worth Ratio: Top 8.5% in tier
- + Total Deposits: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 61.6% in tier
- - Efficiency ratio 2.35% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,831
-0.2% YoY-0.2% QoQ
|
+4.3K |
38,575
-4.8% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$728.2M
+6.0% YoY+1.4% QoQ
|
+$106.5M |
$621.7M
+0.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
Top 6.7% in tier |
| Loans |
$329.8M
+3.1% YoY+0.7% QoQ
|
$-100.0M |
$429.8M
-1.8% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.1% in tier |
| Deposits |
$631.1M
+4.7% YoY+1.3% QoQ
|
+$92.4M |
$538.7M
+0.6% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
Top 10.3% in tier |
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| ROA |
0.7%
-5.6% YoY-11.4% QoQ
|
+0.0% |
0.7%
+42.9% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.5%
+1.8% YoY-0.1% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
79.9%
-0.8% YoY+1.6% QoQ
|
+2.3% |
77.5%
-4.1% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.2%
-32.5% YoY-7.1% QoQ
|
-0.6 |
0.8%
-1.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 6.1% in tier |
| Loan To Share |
52.3%
-1.5% YoY-0.6% QoQ
|
-27.6% |
79.8%
-2.3% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.8% in tier |
| AMR |
$22,435
+4.3% YoY+1.4% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
17.9%
+4.2% YoY+0.3% QoQ
|
-6.6% | 24.4% | 23.0% | 19.8% | 26% |
| Indirect Auto % |
20.2%
-20.8% YoY-6.5% QoQ
|
+6.4% | 13.8% | 14.8% | 7.8% | 72% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)