BlastPoint's Credit Union Scorecard

MUNICIPAL EMPS CU OF OKLAHOMA CITY

Charter #65503 · OK

1069 CUs in 100M-500M nationally 17 in OK

MUNICIPAL EMPS CU OF OKLAHOMA CITY has 6 strengths but faces 9 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

+ Relationship Depth Leader: Top 6.7% in tier
+ Wallet Share Momentum: Top 14.7% in tier
+ Deposit Growth Rate: Top 3.3% in tier
+ Asset Growth Rate: Top 4.0% in tier
+ Total Delinquency Rate (60+ days): Top 4.0% in tier
+ AMR Growth Rate: Top 5.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 6.9% in tier
- Efficiency Drag: Bottom 11.7% in tier
- Membership Headwinds: Bottom 59.0% in tier
- Credit Risk Growth: Bottom 83.7% in tier
- Credit Quality Pressure: Bottom 87.5% in tier
- Stagnation Risk: Bottom 91.1% in tier
- ROA 0.40% below tier average
- Efficiency ratio 20.82% above tier (higher cost structure)
- Member decline: -2.2% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,642 -2.2% YoY-1.3% QoQ	-5.8K	15,437 -2.9% YoY	27,482 +2.5% YoY	33,374 +5.7% YoY	29%
Assets	$188.8M +14.4% YoY+5.9% QoQ	$-43.1M	$231.9M +1.3% YoY	$405.9M +5.4% YoY	$561.6M +9.7% YoY	48%
Loans	$134.5M +5.0% YoY+0.1% QoQ	$-12.9M	$147.3M -0.1% YoY	$252.1M +2.0% YoY	$397.0M +8.8% YoY	55%
Deposits	$171.9M +15.7% YoY+6.7% QoQ	$-28.9M	$200.8M +0.8% YoY	$340.9M +4.8% YoY	$477.3M +9.7% YoY	50%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +100.1% YoY+8.8% QoQ	-0.4%	0.8% +18.2% YoY	0.5% +4.6% YoY	0.7% +15.9% YoY	22%
NIM	3.2% -0.5% YoY-5.2% QoQ	-0.4%	3.6% +6.7% YoY	3.9% +3.6% YoY	3.8% +5.1% YoY	29%
Efficiency Ratio	97.8% +1.2% YoY-0.9% QoQ	+20.8%	77.0% -3.1% YoY	81.1% +0.6% YoY	79.7% -3.3% YoY	Top 3.2% in tier
Delinquency Rate	0.1% +78.3% YoY+13.6% QoQ	-0.8	0.9% +4.2% YoY	1.2% +8.0% YoY	1.3% -2.1% YoY	Bottom 4.0% in tier
Loan To Share	78.2% -9.3% YoY-6.2% QoQ	+6.0%	72.2% -1.1% YoY	70.1% -2.3% YoY	67.4% -1.7% YoY	59%
AMR	$31,780 +13.2% YoY+5.1% QoQ	+$7K	$24,676 +3.4% YoY	$18,047 +3.6% YoY	$19,687 +2.0% YoY	Top 14.3% in tier
CD Concentration	35.0% +45.1% YoY+2.6% QoQ	+10.6%	24.4%	23.0%	19.8%	50%
Indirect Auto %	27.2% -1.0% YoY-2.0% QoQ	+13.4%	13.8%	14.8%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#19 of 268 • Top 6.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 13.18%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#76 of 513 • Top 14.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 13.18%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Indirect Auto Dependency

risk

#36 of 506 • Bottom 6.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 14.37%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 27.21%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.15%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#64 of 538 • Bottom 11.7% in tier

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

Why This Signature

Efficiency Ratio: 97.84%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -2.15%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Membership Headwinds

decline

#327 of 554 • Bottom 59.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.15%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#382 of 456 • Bottom 83.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.97%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#617 of 705 • Bottom 87.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#505 of 554 • Bottom 91.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.15%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.97%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.09%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | 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 1069 peers in tier

Top Strengths (8 metrics)

Deposit Growth Rate

growth

Value: 15.72%

Peer Median: -

#36 of 1069 Top 3.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 14.37%

Peer Median: -

#44 of 1069 Top 4.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: -

#44 of 1069 Top 4.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.18%

Peer Median: -

#58 of 1069 Top 5.3% in 100M-500M tier

124

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#124 of 1069 Top 11.5% in 100M-500M tier

152

Loan-to-Member Ratio (LMR)

engagement

Value: $13,947

Peer Median: -

#152 of 1069 Top 14.1% in 100M-500M tier

153

Average Member Relationship (AMR)

engagement

Value: $31,780

Peer Median: -

#153 of 1069 Top 14.2% in 100M-500M tier

214

Fee Income Per Member

profitability

Value: $229.01

Peer Median: -

#214 of 1069 Top 19.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1036

Efficiency Ratio

profitability

Value: 97.84%

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

963

Net Worth Ratio

risk

Value: 8.72%

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

947

Members Per Employee (MPE)

engagement

Value: 229.571

Peer Median: -

#947 of 1069 Bottom 11.5% in 100M-500M tier

914

Share Certificate Concentration (%)

balance_sheet

Value: 34.99%

Peer Median: -

#914 of 1069 Bottom 14.6% in 100M-500M tier

865

Indirect Auto Concentration (%)

balance_sheet

Value: 27.21%

Peer Median: -

#865 of 1069 Bottom 19.2% in 100M-500M tier

837

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: -

#837 of 1069 Bottom 21.8% in 100M-500M tier