BlastPoint's Credit Union Scorecard
OKLAHOMA CENTRAL
Charter #62322 · OK
OKLAHOMA CENTRAL has 5 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
- + Credit Quality Leader: Top 48.4% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.12% above tier average
- + Total Delinquency Rate (60+ days): Top 8.9% in tier
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.9% in tier
- - Credit Quality Pressure: Bottom 24.4% in tier
- - Stagnation Risk: Bottom 26.4% in tier
- - Margin Compression: Bottom 27.9% in tier
- - Credit Risk Growth: Bottom 28.4% in tier
- - Membership Headwinds: Bottom 32.5% in tier
- - Efficiency ratio 0.49% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,928
-0.6% YoY+0.4% QoQ
|
+3.2K |
39,752
-2.7% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$718.2M
+4.7% YoY+0.9% QoQ
|
+$95.8M |
$622.4M
+0.3% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Top 13.6% in tier |
| Loans |
$327.5M
+1.9% YoY+1.0% QoQ
|
$-108.4M |
$435.9M
-0.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.2% in tier |
| Deposits |
$622.7M
+4.2% YoY+0.3% QoQ
|
+$84.7M |
$538.0M
+1.3% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Top 13.0% in tier |
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| ROA |
0.8%
-14.4% YoY+5.2% QoQ
|
+0.1% |
0.7%
+33.9% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.5%
+0.6% YoY+2.0% QoQ
|
+0.1% |
3.4%
+8.6% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
78.6%
+2.1% YoY-1.3% QoQ
|
+0.5% |
78.1%
-3.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.2%
+28.1% YoY+26.6% QoQ
|
-0.6 |
0.8%
-4.9% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 8.9% in tier |
| Loan To Share |
52.6%
-2.2% YoY+0.6% QoQ
|
-28.4% |
81.0%
-1.8% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.1% in tier |
| AMR |
$22,136
+4.0% YoY+0.1% QoQ
|
$-4K |
$26,482
+2.6% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration |
17.8%
+6.6% YoY+5.5% QoQ
|
-6.6% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
26% |
| Indirect Auto % |
21.7%
-21.3% YoY-3.6% QoQ
|
+7.7% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
73% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (6)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)