BlastPoint's Credit Union Scorecard
BISON
Charter #7149 · OK
BISON has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.5% YoY
- - Loan-to-Share Ratio: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,800
-4.5% YoY-3.8% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$43.0M
+2.8% YoY+1.3% QoQ
|
+$12.8M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$7.5M
-14.3% YoY-3.5% QoQ
|
$-8.3M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$37.7M
-1.2% YoY+0.9% QoQ
|
+$12.0M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
0.9%
-1.8% YoY-2.5% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
2.8%
+2.5% YoY-0.0% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio |
76.8%
+0.5% YoY+0.8% QoQ
|
-5.8% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.3%
-29.5% YoY+868.1% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
19.9%
-13.3% YoY-4.4% QoQ
|
-40.8% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.7% in tier |
| AMR |
$11,884
+0.9% YoY+4.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
15.3%
-6.5% YoY-2.5% QoQ
|
-9.1% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 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)