BlastPoint's Credit Union Scorecard
CREDIT UNION ONE OF OKLAHOMA
Charter #64850 · OK
CREDIT UNION ONE OF OKLAHOMA has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.32% above tier average
- + Fee Income Per Member: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.41% below tier average
- - Efficiency ratio 2.66% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - Member decline: -8.3% YoY
- - Indirect Auto Concentration (%): Bottom 5.1% in tier
- - Member Growth Rate: Bottom 8.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits -5.7% year over year ($33.7M in shares and deposits).
- Membership: 3,407 members, -8.3% vs a year ago.
- Delinquency rate 1.75%.
- Return on assets 0.09%.
- Efficiency ratio 91.42% vs a 88.77% peer average.
- Loan-to-share ratio 86.96% vs a 58.89% 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 |
3,407
-8.3% YoY-0.6% QoQ
|
+821 |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$39.9M
-4.5% YoY+1.1% QoQ
|
+$9.6M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$29.3M
-0.2% YoY+2.4% QoQ
|
+$13.9M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$33.7M
-5.7% YoY+1.9% QoQ
|
+$7.9M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.1%
-87.0% YoY-77.5% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.5% in tier |
| NIM |
5.2%
-1.9% YoY-0.5% QoQ
|
+1.3% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
91.4%
+8.3% YoY+0.5% QoQ
|
+2.7% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
1.8%
+132.3% YoY-1.6% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
87.0%
+5.8% YoY+0.6% QoQ
|
+28.1% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 12.0% in tier |
| AMR |
$18,500
+5.5% YoY+2.7% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
6.6%
-43.4% YoY-6.6% QoQ
|
-17.9% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
21.1%
+11.5% YoY+26.6% QoQ
|
+7.5% | 13.6% | 14.2% | 7.7% | 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)