BlastPoint's Credit Union Scorecard

OKLAHOMA CENTRAL

Charter #62322 · OK

Community 750M-1B
117 CUs in 750M-1B nationally 4 in OK
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OKLAHOMA CENTRAL has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 30.7% in tier
  • + Total Delinquency Rate (60+ days): Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 18.2% in tier
  • - Indirect Auto Dependency: Bottom 23.0% in tier
  • - ROA 0.34% below tier average
  • - Efficiency ratio 12.91% above tier (higher cost structure)
  • - Total Loans: Bottom 4.3% in tier
  • - Total Assets: Bottom 5.1% in tier
  • - Loan-to-Share Ratio: Bottom 6.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 42,970
+0.4% YoY+0.3% QoQ
 -8.5K 51,500
+0.7% YoY
 27,625
+2.9% YoY
 33,913
+5.7% YoY
 29%
Assets $760.7M
+7.5% YoY+4.5% QoQ
 $-104.9M $865.6M
+0.9% YoY
 $413.6M
+5.6% YoY
 $578.3M
+9.0% YoY
 Bottom 4.3% in tier
Loans $330.8M
+4.3% YoY+0.3% QoQ
 $-264.5M $595.3M
+1.6% YoY
 $253.0M
+3.1% YoY
 $402.4M
+8.7% YoY
 Bottom 3.4% in tier
Deposits $664.4M
+7.1% YoY+5.3% QoQ
 $-77.8M $742.2M
+0.6% YoY
 $348.7M
+5.1% YoY
 $494.3M
+9.1% YoY
 Bottom 11.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.4%
-30.1% YoY-39.9% QoQ
 -0.3% 0.8%
+45.0% YoY
 0.3%
+194.5% YoY
 0.4%
-39.2% YoY
 25%
NIM 3.5%
+0.2% YoY-2.0% QoQ
 +0.0% 3.5%
+6.1% YoY
 3.9%
+1.6% YoY
 3.8%
+4.1% YoY
 50%
Efficiency Ratio 88.4%
+5.2% YoY+10.8% QoQ
 +12.9% 75.5%
-3.4% YoY
 85.0%
-0.4% YoY
 84.6%
+2.8% YoY
 Bottom 11.1% in tier
Delinquency Rate 0.2%
-28.6% YoY-14.2% QoQ
 -0.5 0.7%
-0.1% YoY
 1.0%
-16.7% YoY
 1.2%
+3.4% YoY
 Top 7.7% in tier
Loan To Share 49.8%
-2.6% YoY-4.7% QoQ
 -30.8% 80.6%
+0.7% YoY
 68.5%
-1.8% YoY
 65.6%
-1.4% YoY
 Bottom 5.1% in tier
AMR $23,160
+5.7% YoY+3.2% QoQ
 $-6K $28,908
+0.7% YoY
 $18,267
+3.9% YoY
 $19,920
+1.6% YoY
 31%
CD Concentration 17.9%
+6.0% YoY+0.4% QoQ
 -6.3% 24.3% 22.8% 19.8% 27%
Indirect Auto % 19.0%
-21.0% YoY-6.1% QoQ
 +5.2% 13.8% 14.5% 7.7% 70%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#409 of 491 • Top 30.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.71%
(Tier: 3.74%, National: 6.36%)
better than tier avg
637 nationally
↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk
#82 of 596 • Bottom 18.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 88.45%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.18% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 0.43%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#282 of 504 • Bottom 23.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.46%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 19.01%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 0.43%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

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)

Comparing against 117 peers in tier

Top Strengths (5 metrics)

10
Total Delinquency Rate (60+ days)
risk
Value: 0.18%
Peer Median: 0.56%
#10 of 117 Top 7.7% in 750M-1B tier
15
Share Certificate Concentration (%)
balance_sheet
Value: 17.94%
Peer Median: 26.77%
#15 of 117 Top 12.0% in 750M-1B tier
18
Net Worth Ratio
risk
Value: 13.76%
Peer Median: 10.69%
#18 of 117 Top 14.5% in 750M-1B tier
20
Net Charge-Off Rate
risk
Value: 0.18%
Peer Median: 0.47%
#20 of 117 Top 16.2% in 750M-1B tier
21
First Mortgage Concentration (%)
balance_sheet
Value: 21.12%
Peer Median: 32.60%
#21 of 117 Top 17.1% in 750M-1B tier

Top Weaknesses (7 metrics)

113
Total Loans
balance_sheet
Value: $330.76M
Peer Median: $618.21M
#113 of 117 Bottom 4.3% in 750M-1B tier
112
Total Assets
balance_sheet
Value: $760.72M
Peer Median: $858.87M
#112 of 117 Bottom 5.1% in 750M-1B tier
111
Loan-to-Share Ratio
balance_sheet
Value: 49.78%
Peer Median: 84.41%
#111 of 117 Bottom 6.0% in 750M-1B tier
111
Loan-to-Member Ratio (LMR)
engagement
Value: $7,698
Peer Median: $11,598
#111 of 117 Bottom 6.0% in 750M-1B tier
105
Efficiency Ratio
profitability
Value: 88.45%
Peer Median: 77.38%
#105 of 117 Bottom 11.1% in 750M-1B tier
104
Total Deposits
balance_sheet
Value: $664.43M
Peer Median: $735.65M
#104 of 117 Bottom 12.0% in 750M-1B tier
100
Fee Income Per Member
profitability
Value: $118.16
Peer Median: $187.56
#100 of 117 Bottom 15.4% in 750M-1B tier
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