BlastPoint's Credit Union Scorecard
BISON
Charter #7149 · OK
BISON faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.81% below tier average
- - Member decline: -4.4% YoY
- - Loan-to-Share Ratio: Bottom 4.9% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits -3.1% year over year ($37.4M in shares and deposits).
- Membership: 3,789 members, -4.4% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 0.68%.
- Efficiency ratio 81.67% vs a 88.77% peer average.
- Loan-to-share ratio 19.02% vs a 58.89% 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 |
3,789
-4.4% YoY-0.1% QoQ
|
+1.2K |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$42.5M
-1.4% YoY-1.8% QoQ
|
+$12.2M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$7.1M
-11.6% YoY-2.5% QoQ
|
$-8.3M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$37.4M
-3.1% YoY-1.8% QoQ
|
+$11.6M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
72% |
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| ROA |
0.7%
-18.1% YoY+10.3% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
2.9%
+4.2% YoY+2.8% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio |
81.7%
+5.5% YoY-1.8% QoQ
|
-7.1% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
0.4%
+482.3% YoY-28.5% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
19.0%
-8.8% YoY-0.8% QoQ
|
-39.9% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.8% in tier |
| AMR |
$11,752
-0.2% YoY-1.8% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
15.2%
-4.1% YoY-0.6% QoQ
|
-9.4% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 7.7% | 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)