BlastPoint's Credit Union Scorecard

MUNICIPAL EMPS CU OF OKLAHOMA CITY

Charter #65503 · OK

1077 CUs in 100M-500M nationally 17 in OK

MUNICIPAL EMPS CU OF OKLAHOMA CITY has 7 strengths but faces 6 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 9.8% in tier
+ Credit Quality Leader: Top 12.4% in tier
+ Wallet Share Momentum: Top 22.5% in tier
+ Total Delinquency Rate (60+ days): Top 3.6% in tier
+ Deposit Growth Rate: Top 7.0% in tier
+ AMR Growth Rate: Top 8.1% in tier
+ Asset Growth Rate: Top 8.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.0% in tier
- Indirect Auto Dependency: Bottom 2.7% in tier
- Stagnation Risk: Bottom 25.5% in tier
- Membership Headwinds: Bottom 25.8% in tier
- ROA 0.46% below tier average
- Efficiency ratio 21.47% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,766 -1.3% YoY-0.9% QoQ	-5.9K	15,628 -3.4% YoY	27,533 +2.7% YoY	33,089 +6.1% YoY	29%
Assets	$178.3M +10.8% YoY+6.8% QoQ	$-53.0M	$231.3M -0.0% YoY	$405.5M +5.4% YoY	$547.7M +7.8% YoY	43%
Loans	$134.4M +5.8% YoY+0.2% QoQ	$-13.4M	$147.8M -1.4% YoY	$252.8M +1.3% YoY	$388.7M +8.6% YoY	55%
Deposits	$161.1M +12.0% YoY+7.5% QoQ	$-39.2M	$200.3M -0.0% YoY	$336.4M +4.6% YoY	$464.6M +9.3% YoY	46%

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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% +54.7% YoY+11.6% QoQ	-0.5%	0.8% +15.5% YoY	0.6% +31.7% YoY	0.7% +273.4% YoY	20%
NIM	3.4% +6.8% YoY-2.7% QoQ	-0.2%	3.6% +6.9% YoY	3.9% +3.8% YoY	3.7% +5.0% YoY	40%
Efficiency Ratio	98.7% +2.8% YoY+6.6% QoQ	+21.5%	77.3% -3.0% YoY	79.2% -1.1% YoY	79.1% -3.3% YoY	Top 2.6% in tier
Delinquency Rate	0.1% -39.0% YoY+237.8% QoQ	-0.8	0.9% +7.6% YoY	1.1% -4.2% YoY	1.2% -0.9% YoY	Bottom 3.6% in tier
Loan To Share	83.4% -5.6% YoY-6.8% QoQ	+10.7%	72.7% -1.5% YoY	71.1% -2.1% YoY	68.0% -1.7% YoY	71%
AMR	$30,250 +10.5% YoY+4.9% QoQ	+$6K	$24,363 +2.9% YoY	$17,893 +3.6% YoY	$19,418 +1.3% YoY	84%
CD Concentration	34.1% +38.3% YoY+32.8% QoQ	+9.7%	24.4% +4.2% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	27.8% +2.3% YoY-4.1% QoQ	+13.8%	14.0% -5.7% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#26 of 257 • Top 9.8% 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): 10.53%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.4K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Credit Quality Leader

growth

#43 of 340 • Top 12.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.08%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.05% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Wallet Share Momentum

growth

#109 of 481 • Top 22.5% in tier

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

Why This Signature

AMR Growth (YoY): 10.53%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#18 of 521 • Bottom 1.0% in tier

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

Why This Signature

Efficiency Ratio: 98.75%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.12% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -1.29%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#44 of 525 • Bottom 2.7% in tier

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

Why This Signature

Asset Growth (YoY): 10.82%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 27.76%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.29%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk

#421 of 550 • Bottom 25.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.29%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 5.78%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.08%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#426 of 550 • Bottom 25.8% in tier

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

Why This Signature

Member Growth (YoY): -1.29%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Avg: -

#40 of 1077 Top 3.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.04%

Peer Avg: -

#76 of 1077 Top 7.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.53%

Peer Avg: -

#88 of 1077 Top 8.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.82%

Peer Avg: -

#95 of 1077 Top 8.7% in 100M-500M tier

151

Net Charge-Off Rate

risk

Value: 0.09%

Peer Avg: -

#151 of 1077 Top 13.9% in 100M-500M tier

154

Loan-to-Member Ratio (LMR)

engagement

Value: $13,757

Peer Avg: -

#154 of 1077 Top 14.2% in 100M-500M tier

174

Average Member Relationship (AMR)

engagement

Value: $30,250

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

230

Fee Income Per Member

profitability

Value: $222.65

Peer Avg: -

#230 of 1077 Top 21.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1050

Efficiency Ratio

profitability

Value: 98.75%

Peer Avg: -

#1050 of 1077 Bottom 2.6% in 100M-500M tier

970

Members Per Employee (MPE)

engagement

Value: 227.116

Peer Avg: -

#970 of 1077 Bottom 10.0% in 100M-500M tier

921

Net Worth Ratio

risk

Value: 9.11%

Peer Avg: -

#921 of 1077 Bottom 14.6% in 100M-500M tier

889

Share Certificate Concentration (%)

balance_sheet

Value: 34.10%

Peer Avg: -

#889 of 1077 Bottom 17.5% in 100M-500M tier

874

Indirect Auto Concentration (%)

balance_sheet

Value: 27.76%

Peer Avg: -

#874 of 1077 Bottom 18.9% in 100M-500M tier

858

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Avg: -

#858 of 1077 Bottom 20.4% in 100M-500M tier