BlastPoint's Credit Union Scorecard
OKLAHOMA CENTRAL
Charter #62322 · OK
OKLAHOMA CENTRAL has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 30.2% in tier
- + Total Delinquency Rate (60+ days): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 22.6% in tier
- - Indirect Auto Dependency: Bottom 26.5% in tier
- - Credit Risk Growth: Bottom 27.2% in tier
- - Credit Quality Pressure: Bottom 43.1% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 10.50% above tier (higher cost structure)
- - Total Assets: Bottom 2.7% in tier
- - Total Loans: Bottom 4.5% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Oklahoma.
- Shares and deposits +6.9% year over year ($663M in shares and deposits).
- Membership: 43,241 members, +1.1% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 0.54%.
- Efficiency ratio 85.04% vs a 74.54% peer average.
- Loan-to-share ratio 52.63% vs a 82.60% 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 |
43,241
+1.1% YoY+0.6% QoQ
|
-9.2K |
52,482
+1.3% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$760.2M
+6.8% YoY-0.1% QoQ
|
$-103.7M |
$863.9M
+0.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.8% in tier |
| Loans |
$349.1M
+7.6% YoY+5.5% QoQ
|
$-258.7M |
$607.8M
+2.1% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.6% in tier |
| Deposits |
$663.4M
+6.9% YoY-0.2% QoQ
|
$-76.5M |
$739.9M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
15% |
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 |
0.5%
-27.2% YoY+30.0% QoQ
|
-0.3% |
0.8%
+30.4% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
3.5%
+1.6% YoY+1.7% QoQ
|
+0.0% |
3.5%
+6.2% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
85.0%
+6.8% YoY-3.9% QoQ
|
+10.5% |
74.5%
-1.4% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate |
0.2%
+36.8% YoY+35.6% QoQ
|
-0.6 |
0.8%
+1.0% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
Top 9.9% in tier |
| Loan To Share |
52.6%
+0.7% YoY+5.7% QoQ
|
-30.0% |
82.6%
+1.9% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.5% in tier |
| AMR |
$23,414
+5.9% YoY+1.1% QoQ
|
$-5K |
$28,702
+0.4% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
17.7%
+4.5% YoY-1.6% QoQ
|
-6.9% | 24.6% | 22.8% | 20.0% | 26% |
| Indirect Auto % |
17.7%
-21.2% YoY-6.9% QoQ
|
+4.1% | 13.6% | 14.2% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)