BlastPoint's Credit Union Scorecard

MUNICIPAL EMPS CU OF OKLAHOMA CITY

Charter #65503 · OK

100M-500M

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

MUNICIPAL EMPS CU OF OKLAHOMA CITY has 7 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 2.3% in tier
+ Deposit Growth Rate: Top 2.8% in tier
+ Asset Growth Rate: Top 3.3% in tier
+ Net Charge-Off Rate: Top 8.7% in tier
+ Total Delinquency Rate (60+ days): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.55% below tier average
- Efficiency ratio 14.18% above tier (higher cost structure)

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 +15.0% year over year ($172M in shares and deposits).
Membership: 9,442 members, -4.2% vs a year ago.
Delinquency rate 0.17%.
Return on assets 0.31%.
Efficiency ratio 90.91% vs a 76.73% peer average.
Loan-to-share ratio 85.86% 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	9,442 -4.2% YoY-2.4% QoQ	-5.7K	15,168 -2.6% YoY	28,343 +3.0% YoY	34,678 +6.6% YoY	29%
Assets	$190.5M +14.1% YoY-0.5% QoQ	$-41.5M	$232.0M +0.7% YoY	$422.2M +5.5% YoY	$593.1M +10.2% YoY	48%
Loans	$147.9M +10.3% YoY+6.8% QoQ	+$1.6M	$146.3M +0.2% YoY	$261.4M +3.6% YoY	$418.6M +10.1% YoY	60%
Deposits	$172.3M +15.0% YoY-0.8% QoQ	$-28.4M	$200.7M +0.2% YoY	$356.1M +5.9% YoY	$504.8M +10.3% 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	0.3% +4.5% YoY+358.7% QoQ	-0.6%	0.9% +12.5% YoY	0.8% +38.1% YoY	1.2% +121.4% YoY	16%
NIM	3.2% -8.0% YoY+1.9% QoQ	-0.4%	3.7% +4.5% YoY	4.0% +2.7% YoY	3.8% +2.3% YoY	24%
Efficiency Ratio	90.9% -1.8% YoY-3.0% QoQ	+14.2%	76.7% -0.8% YoY	80.0% +0.4% YoY	83.0% -5.3% YoY	Bottom 9.5% in tier
Delinquency Rate	0.2% +40.9% QoQ	-0.7	0.9% +6.6% YoY	0.9% -29.0% YoY	1.3% +2.6% YoY	Top 9.0% in tier
Loan To Share	85.9% -4.1% YoY+7.7% QoQ	+14.3%	71.5% -0.3% YoY	69.7% -2.0% YoY	66.4% -1.4% YoY	78%
AMR	$33,909 +17.6% YoY+5.1% QoQ	+$9K	$25,107 +3.2% YoY	$18,336 +3.3% YoY	$20,028 -0.9% YoY	Top 11.8% in tier
CD Concentration	36.1% +40.4% YoY+2.3% QoQ	+11.5%	24.6%	22.8%	20.0%	50%
Indirect Auto %	30.2% +4.2% YoY+5.4% QoQ	+16.5%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#12 of 262 • Top 50.0% 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): 17.64%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth

#31 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 17.64%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (6)

Indirect Auto Dependency

risk

#11 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 14.12%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 30.16%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -4.16%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Efficiency Drag

risk

#65 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: 90.91%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.01% points

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

worse than tier avg

Member Growth (YoY): -4.16%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

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

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Risk Growth

risk

#139 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 10.26%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

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

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Membership Headwinds

decline

#164 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -4.16%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Credit Quality Pressure

risk

#407 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): 0.15% 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 | Rank improving

Stagnation Risk

risk

#443 of 549 • Bottom 50.0% 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): -4.16%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 10.26%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.17%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

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 (10 metrics)

AMR Growth Rate

growth

Value: 17.64%

Peer Median: 3.53%

#25 of 1024 Top 2.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 14.96%

Peer Median: 3.58%

#30 of 1024 Top 2.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 14.12%

Peer Median: 4.12%

#35 of 1024 Top 3.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.34%

#90 of 1024 Top 8.7% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: 0.71%

#93 of 1024 Top 9.0% in 100M-500M tier

107

Loan-to-Member Ratio (LMR)

engagement

Value: $15,664

Peer Median: $9,434

#107 of 1024 Top 10.4% in 100M-500M tier

121

Average Member Relationship (AMR)

engagement

Value: $33,909

Peer Median: $23,006

#121 of 1024 Top 11.7% in 100M-500M tier

123

Fee Income Per Member

profitability

Value: $247.97

Peer Median: $159.88

#123 of 1024 Top 11.9% in 100M-500M tier

162

Loan Growth Rate

growth

Value: 10.26%

Peer Median: 3.02%

#162 of 1024 Top 15.7% in 100M-500M tier

230

Loan-to-Share Ratio

balance_sheet

Value: 85.86%

Peer Median: 73.07%

#230 of 1024 Top 22.4% in 100M-500M tier

Top Weaknesses (8 metrics)

928

Efficiency Ratio

profitability

Value: 90.91%

Peer Median: 77.26%

#928 of 1024 Bottom 9.5% in 100M-500M tier

928

Net Worth Ratio

risk

Value: 8.79%

Peer Median: 11.71%

#928 of 1024 Bottom 9.5% in 100M-500M tier

896

Members Per Employee (MPE)

engagement

Value: 230.293

Peer Median: 310.924

#896 of 1024 Bottom 12.6% in 100M-500M tier

890

Member Growth Rate

growth

Value: -4.16%

Peer Median: -0.03%

#890 of 1024 Bottom 13.2% in 100M-500M tier

890

Share Certificate Concentration (%)

balance_sheet

Value: 36.06%

Peer Median: 23.39%

#890 of 1024 Bottom 13.2% in 100M-500M tier

868

Indirect Auto Concentration (%)

balance_sheet

Value: 30.16%

Peer Median: 6.15%

#868 of 1024 Bottom 15.3% in 100M-500M tier

861

Return on Assets (ROA)

profitability

Value: 0.31%

Peer Median: 0.75%

#861 of 1024 Bottom 16.0% in 100M-500M tier

778

Net Interest Margin (NIM)

profitability

Value: 3.24%

Peer Median: 3.67%

#778 of 1024 Bottom 24.1% in 100M-500M tier