BlastPoint's Credit Union Scorecard
CHEROKEE STRIP
Charter #64281 · OK
2596 CUs in <100M nationally
27 in OK
CHEROKEE STRIP has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.54% above tier average
- + Total Loans: Top 0.2% in tier
- + Total Deposits: Top 0.7% in tier
- + Total Assets: Top 0.9% in tier
- + Total Members: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 5.33% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Indirect Auto Concentration (%): Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
- - Deposit Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,868
-2.1% YoY-0.8% QoQ
|
+6.2K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Top 2.5% in tier |
| Assets |
$96.8M
-7.8% YoY-1.9% QoQ
|
+$67.0M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Top 1.0% in tier |
| Loans |
$74.9M
+1.8% YoY-3.5% QoQ
|
+$59.1M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
Top 0.3% in tier |
| Deposits |
$86.7M
-8.0% YoY-1.4% QoQ
|
+$61.2M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Top 0.8% in tier |
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Tier 1
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| ROA |
0.1%
-118.0% YoY-207.5% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
5.5%
+11.6% YoY+4.0% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
86.7%
-6.4% YoY+0.1% QoQ
|
+5.3% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.1%
-70.9% YoY-62.4% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
86.4%
+10.7% YoY-2.1% QoQ
|
+25.1% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
85% |
| AMR |
$18,215
-1.7% YoY-1.6% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
23.5%
-33.2% YoY-2.8% QoQ
|
-1.0% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.4%
-44.6% YoY-11.3% QoQ
|
+5.5% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
7
Total Loans
balance_sheet
Value:
$74.86M
Peer Avg: -
#7 of 2596
Top 0.2% in <100M tier
20
Total Deposits
balance_sheet
Value:
$86.67M
Peer Avg: -
#20 of 2596
Top 0.7% in <100M tier
25
Total Assets
balance_sheet
Value:
$96.83M
Peer Avg: -
#25 of 2596
Top 0.9% in <100M tier
65
Total Members
engagement
Value:
8,868
Peer Avg: -
#65 of 2596
Top 2.5% in <100M tier
195
Net Interest Margin (NIM)
profitability
Value:
5.47%
Peer Avg: -
#195 of 2596
Top 7.5% in <100M tier
387
Loan-to-Share Ratio
balance_sheet
Value:
86.37%
Peer Avg: -
#387 of 2596
Top 14.9% in <100M tier
400
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,441
Peer Avg: -
#400 of 2596
Top 15.4% in <100M tier
581
Fee Income Per Member
profitability
Value:
$124.06
Peer Avg: -
#581 of 2596
Top 22.3% in <100M tier
588
Total Delinquency Rate (60+ days)
risk
Value:
0.13%
Peer Avg: -
#588 of 2596
Top 22.6% in <100M tier
Top Weaknesses (8 metrics)
2442
Indirect Auto Concentration (%)
balance_sheet
Value:
19.43%
Peer Avg: -
#2442 of 2596
Bottom 6.0% in <100M tier
2391
Asset Growth Rate
growth
Value:
-7.79%
Peer Avg: -
#2391 of 2596
Bottom 7.9% in <100M tier
2338
Deposit Growth Rate
growth
Value:
-8.00%
Peer Avg: -
#2338 of 2596
Bottom 10.0% in <100M tier
2284
Net Charge-Off Rate
risk
Value:
1.14%
Peer Avg: -
#2284 of 2596
Bottom 12.1% in <100M tier
2063
First Mortgage Concentration (%)
balance_sheet
Value:
29.86%
Peer Avg: -
#2063 of 2596
Bottom 20.6% in <100M tier
2050
Return on Assets (ROA)
profitability
Value:
0.13%
Peer Avg: -
#2050 of 2596
Bottom 21.1% in <100M tier
2036
Net Worth Ratio
risk
Value:
10.60%
Peer Avg: -
#2036 of 2596
Bottom 21.6% in <100M tier
1985
Members Per Employee (MPE)
engagement
Value:
239.676
Peer Avg: -
#1985 of 2596
Bottom 23.6% in <100M tier