BlastPoint's Credit Union Scorecard

MUNICIPAL EMPS CU OF OKLAHOMA CITY

Charter #65503 · OK

100M-500M

1070 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
+ Deposit Growth Rate: Top 2.5% in tier
+ Asset Growth Rate: Top 2.7% in tier
+ AMR Growth Rate: Top 3.7% in tier
+ Net Charge-Off Rate: Top 6.7% in tier
+ Total Delinquency Rate (60+ days): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.66% below tier average
- Efficiency ratio 15.69% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,676 -1.9% YoY+0.4% QoQ	-5.5K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	31%
Assets	$191.4M +15.3% YoY+1.4% QoQ	$-40.3M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	48%
Loans	$138.5M +8.1% YoY+3.0% QoQ	$-5.7M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	58%
Deposits	$173.7M +16.2% YoY+1.0% QoQ	$-27.5M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	51%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -78.8% YoY-81.2% QoQ	-0.7%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Bottom 10.7% in tier
NIM	3.2% -7.9% YoY-2.1% QoQ	-0.5%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	93.7% +1.9% YoY-4.2% QoQ	+15.7%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Bottom 8.3% in tier
Delinquency Rate	0.1% +11.1% YoY+31.9% QoQ	-0.7	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	Top 8.2% in tier
Loan To Share	79.7% -7.0% YoY+1.9% QoQ	+9.3%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	68%
AMR	$32,263 +14.6% YoY+1.5% QoQ	+$7K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	Top 13.6% in tier
CD Concentration	35.2% +42.9% YoY+0.7% QoQ	+11.0%	24.3%	22.8%	19.8%	50%
Indirect Auto %	28.6% +3.5% YoY+5.2% QoQ	+14.8%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#16 of 257 • 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): 14.63%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#51 of 491 • 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): 14.63%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Indirect Auto Dependency

risk

#25 of 504 • 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): 15.26%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 28.62%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#95 of 596 • 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: 93.71%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Membership Headwinds

decline

#367 of 570 • 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): -1.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#358 of 476 • 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): 8.10%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Stagnation Risk

risk

#537 of 570 • 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): -1.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 8.10%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.12%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#689 of 727 • 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): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | 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 1070 peers in tier

Top Strengths (8 metrics)

Deposit Growth Rate

growth

Value: 16.24%

Peer Median: 3.30%

#28 of 1070 Top 2.5% in 100M-500M tier

Asset Growth Rate

growth

Value: 15.26%

Peer Median: 3.91%

#30 of 1070 Top 2.7% in 100M-500M tier

AMR Growth Rate

growth

Value: 14.63%

Peer Median: 3.46%

#41 of 1070 Top 3.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: 0.35%

#73 of 1070 Top 6.7% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.61%

#89 of 1070 Top 8.2% in 100M-500M tier

139

Loan-to-Member Ratio (LMR)

engagement

Value: $14,313

Peer Median: $9,356

#139 of 1070 Top 12.9% in 100M-500M tier

146

Average Member Relationship (AMR)

engagement

Value: $32,263

Peer Median: $22,931

#146 of 1070 Top 13.6% in 100M-500M tier

253

Loan Growth Rate

growth

Value: 8.10%

Peer Median: 2.93%

#253 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (7 metrics)

982

Efficiency Ratio

profitability

Value: 93.71%

Peer Median: 78.68%

#982 of 1070 Bottom 8.3% in 100M-500M tier

965

Net Worth Ratio

risk

Value: 8.69%

Peer Median: 11.45%

#965 of 1070 Bottom 9.9% in 100M-500M tier

956

Return on Assets (ROA)

profitability

Value: 0.07%

Peer Median: 0.69%

#956 of 1070 Bottom 10.7% in 100M-500M tier

928

Share Certificate Concentration (%)

balance_sheet

Value: 35.24%

Peer Median: 23.10%

#928 of 1070 Bottom 13.4% in 100M-500M tier

918

Members Per Employee (MPE)

engagement

Value: 236.000

Peer Median: 309.176

#918 of 1070 Bottom 14.3% in 100M-500M tier

889

Indirect Auto Concentration (%)

balance_sheet

Value: 28.62%

Peer Median: 6.61%

#889 of 1070 Bottom 17.0% in 100M-500M tier

816

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.62%

#816 of 1070 Bottom 23.8% in 100M-500M tier