BlastPoint's Credit Union Scorecard
OAK FARMS EMPLOYEES
Charter #67624 · TX
OAK FARMS EMPLOYEES has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 9.15% above tier (higher cost structure)
- - Delinquency rate 3.97% above tier average
- - Member decline: -5.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
745
-5.3% YoY-0.3% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$4.2M
-3.5% YoY+4.0% QoQ
|
$-26.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$2.7M
-10.8% YoY-3.4% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$3.0M
-4.9% YoY+5.8% QoQ
|
$-22.7M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
0.2%
-75.3% YoY-53.4% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
6.2%
+10.1% YoY+3.8% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 3.2% in tier |
| Efficiency Ratio |
91.7%
+9.7% YoY+1.8% QoQ
|
+9.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
5.5%
+125.3% YoY+102.3% QoQ
|
+4.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 5.3% in tier |
| Loan To Share |
89.2%
-6.2% YoY-8.7% QoQ
|
+28.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 10.7% in tier |
| AMR |
$7,613
-2.6% YoY+1.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
14.8%
-10.9% YoY+66.5% QoQ
|
-9.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)