BlastPoint's Credit Union Scorecard
CREDIT UNION ONE OF OKLAHOMA
Charter #64850 · OK
CREDIT UNION ONE OF OKLAHOMA has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 1.24% above tier average
- + Fee Income Per Member: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.34% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Member decline: -12.7% YoY
- - Member Growth Rate: Bottom 4.1% in tier
- - Indirect Auto Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,427
-12.7% YoY-1.6% QoQ
|
+750 |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$39.4M
-5.5% YoY-2.4% QoQ
|
+$9.2M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$28.6M
-1.7% YoY+0.9% QoQ
|
+$13.3M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$33.1M
-7.4% YoY-3.4% QoQ
|
+$7.3M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
0.4%
-41.2% YoY-29.8% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
5.3%
+0.7% YoY-4.0% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 8.6% in tier |
| Efficiency Ratio |
91.0%
+9.3% YoY+5.4% QoQ
|
+0.3% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
1.8%
+204.3% YoY+332.8% QoQ
|
+0.3 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
86.5%
+6.2% YoY+4.4% QoQ
|
+28.0% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
Top 10.9% in tier |
| AMR |
$18,009
+9.1% YoY+0.1% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
7.1%
-40.1% YoY-30.1% QoQ
|
-17.2% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
16.7%
-23.2% YoY+1.4% QoQ
|
+2.9% | 13.8% | 14.5% | 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)