BlastPoint's Credit Union Scorecard
COOPERATIVE EMPLOYEES
Charter #62502 · OK
COOPERATIVE EMPLOYEES has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Asset Growth Rate: Top 3.8% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 14.83% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
955
+0.6% YoY+0.2% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$10.0M
+13.9% YoY+2.0% QoQ
|
$-20.1M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$6.1M
-1.5% YoY+3.9% QoQ
|
$-9.6M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$8.9M
+15.7% YoY+2.3% QoQ
|
$-16.7M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.1%
+116.7% YoY-81.4% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
3.8%
-4.8% YoY-11.6% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
97.4%
-1.5% YoY+11.5% QoQ
|
+14.8% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
68.7%
-14.9% YoY+1.6% QoQ
|
+8.1% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$15,800
+7.3% YoY+2.7% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
32.4%
+18.9% YoY+0.9% QoQ
|
+8.0% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 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)