BlastPoint's Credit Union Scorecard

CHEROKEE STRIP

Charter #64281 · OK

100M-500M

1024 CUs in 100M-500M nationally 18 in OK

CHEROKEE STRIP has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 1.27% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.69% below tier average
- Efficiency ratio 18.96% above tier (higher cost structure)
- Loan Growth Rate: Bottom 0.9% in tier
- Total Assets: Bottom 3.8% in tier
- Net Charge-Off Rate: Bottom 5.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Oklahoma.
Shares and deposits +7.8% year over year ($94.7M in shares and deposits).
Membership: 9,032 members, +1.1% vs a year ago.
Delinquency rate 0.55%.
Return on assets 0.18%.
Efficiency ratio 95.69% vs a 76.73% peer average.
Loan-to-share ratio 70.66% vs a 71.54% 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	9,032 +1.1% YoY-3.6% QoQ	-6.1K	15,168 -2.6% YoY	28,343 +3.0% YoY	34,678 +6.6% YoY	25%
Assets	$106.0M +7.4% YoY+4.8% QoQ	$-126.0M	$232.0M +0.7% YoY	$422.2M +5.5% YoY	$593.1M +10.2% YoY	Bottom 3.7% in tier
Loans	$66.9M -13.7% YoY-2.7% QoQ	$-79.3M	$146.3M +0.2% YoY	$261.4M +3.6% YoY	$418.6M +10.1% YoY	Bottom 14.6% in tier
Deposits	$94.7M +7.8% YoY+4.4% QoQ	$-106.0M	$200.7M +0.2% YoY	$356.1M +5.9% YoY	$504.8M +10.3% YoY	Bottom 7.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -244.9% YoY-132.4% QoQ	-0.7%	0.9% +12.5% YoY	0.8% +38.1% YoY	1.2% +121.4% YoY	Bottom 7.4% in tier
NIM	5.0% -5.8% YoY+1.6% QoQ	+1.3%	3.7% +4.5% YoY	4.0% +2.7% YoY	3.8% +2.3% YoY	Top 3.3% in tier
Efficiency Ratio	95.7% +10.5% YoY-9.9% QoQ	+19.0%	76.7% -0.8% YoY	80.0% +0.4% YoY	83.0% -5.3% YoY	Bottom 3.7% in tier
Delinquency Rate	0.6% +64.9% YoY-26.3% QoQ	-0.3	0.9% +6.6% YoY	0.9% -29.0% YoY	1.3% +2.6% YoY	40%
Loan To Share	70.7% -19.9% YoY-6.8% QoQ	-0.9%	71.5% -0.3% YoY	69.7% -2.0% YoY	66.4% -1.4% YoY	45%
AMR	$17,900 -3.3% YoY+5.2% QoQ	$-7K	$25,107 +3.2% YoY	$18,336 +3.3% YoY	$20,028 -0.9% YoY	20%
CD Concentration	20.9% -13.2% YoY-5.0% QoQ	-3.6%	24.6%	22.8%	20.0%	50%
Indirect Auto %	13.0% -40.8% YoY-14.3% QoQ	-0.7%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#284 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.07%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 12.96%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#342 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.07%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.18%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 12.96%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk

#58 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 95.69%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 1.07%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#87 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.33%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Quality Pressure

risk

#323 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.95%

Peer Median: 3.67%

#34 of 1024 Top 3.2% in 100M-500M tier

172

Deposit Growth Rate

growth

Value: 7.79%

Peer Median: 3.58%

#172 of 1024 Top 16.7% in 100M-500M tier

217

Asset Growth Rate

growth

Value: 7.39%

Peer Median: 4.12%

#217 of 1024 Top 21.1% in 100M-500M tier

Top Weaknesses (13 metrics)

1016

Loan Growth Rate

growth

Value: -13.71%

Peer Median: 3.02%

#1016 of 1024 Bottom 0.9% in 100M-500M tier

987

Efficiency Ratio

profitability

Value: 95.69%

Peer Median: 77.26%

#987 of 1024 Bottom 3.7% in 100M-500M tier

986

Total Assets

balance_sheet

Value: $106.02M

Peer Median: $196.38M

#986 of 1024 Bottom 3.8% in 100M-500M tier

974

Net Charge-Off Rate

risk

Value: 1.34%

Peer Median: 0.34%

#974 of 1024 Bottom 5.0% in 100M-500M tier

955

AMR Growth Rate

growth

Value: -3.33%

Peer Median: 3.53%

#955 of 1024 Bottom 6.8% in 100M-500M tier

952

Total Deposits

balance_sheet

Value: $94.73M

Peer Median: $170.77M

#952 of 1024 Bottom 7.1% in 100M-500M tier

948

Return on Assets (ROA)

profitability

Value: 0.18%

Peer Median: 0.75%

#948 of 1024 Bottom 7.5% in 100M-500M tier

875

Total Loans

balance_sheet

Value: $66.94M

Peer Median: $124.04M

#875 of 1024 Bottom 14.6% in 100M-500M tier

870

Members Per Employee (MPE)

engagement

Value: 237.684

Peer Median: 310.924

#870 of 1024 Bottom 15.1% in 100M-500M tier

822

Average Member Relationship (AMR)

engagement

Value: $17,900

Peer Median: $23,006

#822 of 1024 Bottom 19.8% in 100M-500M tier