BlastPoint's Credit Union Scorecard
CHEROKEE STRIP
Charter #64281 · OK
CHEROKEE STRIP has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 1.28% below tier average
- - Efficiency ratio 28.23% above tier (higher cost structure)
- - Total Assets: Bottom 1.5% in tier
- - AMR Growth Rate: Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,374
+4.2% YoY+6.7% QoQ
|
-5.8K |
15,145
-2.5% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$101.2M
-1.7% YoY+3.0% QoQ
|
$-130.5M |
$231.7M
+0.8% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.4% in tier |
| Loans |
$68.8M
-6.5% YoY-9.4% QoQ
|
$-75.4M |
$144.1M
+0.2% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$90.7M
-0.5% YoY+4.6% QoQ
|
$-110.4M |
$201.1M
+0.4% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.0% in tier |
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| ROA |
-0.5%
-55.3% YoY-247.9% QoQ
|
-1.3% |
0.7%
+5.1% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.5% in tier |
| NIM |
4.9%
-3.4% YoY-12.6% QoQ
|
+1.2% |
3.6%
+4.6% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 3.7% in tier |
| Efficiency Ratio |
106.3%
+12.6% YoY+25.5% QoQ
|
+28.2% |
78.0%
-1.7% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate |
0.7%
+278.9% YoY+256.0% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
75.8%
-6.1% YoY-13.4% QoQ
|
+5.4% |
70.4%
-0.4% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$17,015
-7.0% YoY-8.1% QoQ
|
$-8K |
$24,918
+2.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
22.0%
-12.1% YoY-4.6% QoQ
|
-2.2% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
15.1%
-43.0% YoY-8.0% QoQ
|
+1.3% | 13.8% | 14.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)