BlastPoint's Credit Union Scorecard

BISON

Charter #7149 · OK

<100M

2508 CUs in <100M nationally 26 in OK

BISON has 1 strength but faces 2 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

+ ROA 0.47% above tier average

Key Concerns

Areas that may need attention

- Member decline: -4.4% YoY
- Loan-to-Share Ratio: Bottom 4.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	3,791 -4.4% YoY-0.2% QoQ	+1.1K	2,676 +1.6% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	77%
Assets	$43.3M -0.9% YoY+0.7% QoQ	+$13.1M	$30.2M +1.3% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	72%
Loans	$7.3M -13.9% YoY-2.4% QoQ	$-8.0M	$15.3M -2.0% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	43%
Deposits	$38.1M -3.0% YoY+1.1% QoQ	+$12.3M	$25.8M +0.7% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	73%

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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	0.6% -9.9% YoY-29.2% QoQ	+0.5%	0.1% -77.6% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	50%
NIM	2.8% +3.6% YoY-0.8% QoQ	-1.2%	4.0% +4.0% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	Bottom 13.2% in tier
Efficiency Ratio	83.1% +2.6% YoY+8.3% QoQ	-7.5%	90.6% +6.5% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.5% +397.7% YoY+75.6% QoQ	-1.0	1.5% +3.8% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	45%
Loan To Share	19.2% -11.3% YoY-3.4% QoQ	-39.3%	58.5% -3.0% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	Bottom 4.8% in tier
AMR	$11,972 -0.6% YoY+0.7% QoQ	$-3K	$14,884 -1.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	39%
CD Concentration	15.3% -2.0% YoY-0.3% QoQ	-9.0%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

388

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#388 of 2508 Top 15.4% in <100M tier

573

Total Members

engagement

Value: 3,791

Peer Median: 1,918

#573 of 2508 Top 22.8% in <100M tier

Top Weaknesses (5 metrics)

2386

Loan-to-Share Ratio

balance_sheet

Value: 19.17%

Peer Median: 58.72%

#2386 of 2508 Bottom 4.9% in <100M tier

2193

Loan-to-Member Ratio (LMR)

engagement

Value: $1,926

Peer Median: $4,923

#2193 of 2508 Bottom 12.6% in <100M tier

2178

Loan Growth Rate

growth

Value: -13.92%

Peer Median: -2.36%

#2178 of 2508 Bottom 13.2% in <100M tier

2177

Net Interest Margin (NIM)

profitability

Value: 2.79%

Peer Median: 3.83%

#2177 of 2508 Bottom 13.2% in <100M tier

1992

Member Growth Rate

growth

Value: -4.36%

Peer Median: -1.37%

#1992 of 2508 Bottom 20.6% in <100M tier