BlastPoint's Credit Union Scorecard
CHEROKEE STRIP
Charter #64281 · OK
CHEROKEE STRIP has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.62% above tier average
- + Total Loans: Top 0.3% in tier
- + Total Assets: Top 0.7% in tier
- + Total Deposits: Top 0.7% in tier
- + Total Members: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 2.10% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Indirect Auto Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,786
-2.6% YoY-0.9% QoQ
|
+6.2K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
Top 2.7% in tier |
| Assets |
$98.2M
-3.5% YoY+1.4% QoQ
|
+$68.1M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
Top 0.7% in tier |
| Loans |
$75.9M
+1.3% YoY+1.4% QoQ
|
+$60.2M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
Top 0.4% in tier |
| Deposits |
$86.7M
-3.9% YoY+0.0% QoQ
|
+$61.0M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
Top 0.7% in tier |
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| ROA |
0.4%
-166.5% YoY+181.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
5.6%
+8.9% YoY+2.0% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
84.7%
-5.7% YoY-2.4% QoQ
|
+2.1% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.2%
-36.5% YoY+67.4% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
87.6%
+5.4% YoY+1.4% QoQ
|
+27.0% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Top 12.6% in tier |
| AMR |
$18,513
+1.1% YoY+1.6% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
23.1%
-24.4% YoY-1.4% QoQ
|
-1.3% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % |
16.4%
-45.4% YoY-15.4% QoQ
|
+2.6% | 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)