BlastPoint's Credit Union Scorecard

OKLAHOMA

Charter #7151 · OK

1069 CUs in 100M-500M nationally 17 in OK

OKLAHOMA has 6 strengths but faces 11 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 9.7% in tier
+ Wallet Share Momentum: Top 19.1% in tier
+ ROA 0.93% above tier average
+ Efficiency Ratio: Top 2.2% in tier
+ Net Worth Ratio: Top 3.2% in tier
+ AMR Growth Rate: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 9.2% in tier
- Indirect Auto Dependency: Bottom 16.6% in tier
- Margin Compression: Bottom 23.8% in tier
- Liquidity Overhang: Bottom 42.5% in tier
- Stagnation Risk: Bottom 43.4% in tier
- Credit Quality Pressure: Bottom 95.2% in tier
- Credit Risk Growth: Bottom 97.4% in tier
- Member decline: -8.8% YoY
- Share Certificate Concentration (%): Bottom 0.4% in tier
- Member Growth Rate: Bottom 4.3% in tier
- Indirect Auto Concentration (%): Bottom 7.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,549 -8.8% YoY-0.6% QoQ	-5.9K	15,437 -2.9% YoY	27,482 +2.5% YoY	33,374 +5.7% YoY	28%
Assets	$194.9M +3.6% YoY+0.7% QoQ	$-36.9M	$231.9M +1.3% YoY	$405.9M +5.4% YoY	$561.6M +9.7% YoY	49%
Loans	$122.8M +2.6% YoY+1.3% QoQ	$-24.5M	$147.3M -0.1% YoY	$252.1M +2.0% YoY	$397.0M +8.8% YoY	49%
Deposits	$156.4M +1.2% YoY+0.6% QoQ	$-44.4M	$200.8M +0.8% YoY	$340.9M +4.8% YoY	$477.3M +9.7% YoY	44%

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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	1.7% -11.8% YoY-1.4% QoQ	+0.9%	0.8% +18.2% YoY	0.5% +4.6% YoY	0.7% +15.9% YoY	Top 6.5% in tier
NIM	3.4% -12.2% YoY+2.4% QoQ	-0.2%	3.6% +6.7% YoY	3.9% +3.6% YoY	3.8% +5.1% YoY	40%
Efficiency Ratio	51.8% +3.0% YoY-1.0% QoQ	-25.2%	77.0% -3.1% YoY	81.1% +0.6% YoY	79.7% -3.3% YoY	Bottom 2.2% in tier
Delinquency Rate	0.4% +4.9% YoY+0.1% QoQ	-0.5	0.9% +4.2% YoY	1.2% +8.0% YoY	1.3% -2.1% YoY	20%
Loan To Share	78.5% +1.4% YoY+0.7% QoQ	+6.3%	72.2% -1.1% YoY	70.1% -2.3% YoY	67.4% -1.7% YoY	60%
AMR	$29,246 +11.7% YoY+1.5% QoQ	+$5K	$24,676 +3.4% YoY	$18,047 +3.6% YoY	$19,687 +2.0% YoY	80%
CD Concentration	55.4% +4.1% YoY+0.9% QoQ	+30.9%	24.4%	23.0%	19.8%	50%
Indirect Auto %	41.4% -5.3% YoY+0.5% QoQ	+27.6%	13.8%	14.8%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#27 of 268 • Top 9.7% 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): 11.66%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $2.0K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#99 of 513 • Top 19.1% in tier

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

Why This Signature

AMR Growth (YoY): 11.66%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (7)

Membership Headwinds

decline

#52 of 554 • Bottom 9.2% in tier

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

Why This Signature

Member Growth (YoY): -8.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#85 of 506 • Bottom 16.6% in tier

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

Why This Signature

Asset Growth (YoY): 3.59%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 41.35%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -8.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Margin Compression

decline

#30 of 123 • Bottom 23.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.69%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.92%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Liquidity Overhang

risk

#58 of 135 • Bottom 42.5% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.79%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 78.51%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Stagnation Risk

risk

#241 of 554 • Bottom 43.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.61%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.35%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#671 of 705 • Bottom 95.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk

#444 of 456 • Bottom 97.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.61%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (10 metrics)

Efficiency Ratio

profitability

Value: 51.78%

Peer Median: -

#25 of 1069 Top 2.2% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.79%

Peer Median: -

#35 of 1069 Top 3.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Median: -

#69 of 1069 Top 6.4% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.66%

Peer Median: -

#78 of 1069 Top 7.2% in 100M-500M tier

149

Members Per Employee (MPE)

engagement

Value: 434.045

Peer Median: -

#149 of 1069 Top 13.8% in 100M-500M tier

152

Fee Income Per Member

profitability

Value: $248.40

Peer Median: -

#152 of 1069 Top 14.1% in 100M-500M tier

204

Loan-to-Member Ratio (LMR)

engagement

Value: $12,863

Peer Median: -

#204 of 1069 Top 19.0% in 100M-500M tier

217

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: -

#217 of 1069 Top 20.2% in 100M-500M tier

219

Average Member Relationship (AMR)

engagement

Value: $29,246

Peer Median: -

#219 of 1069 Top 20.4% in 100M-500M tier

265

First Mortgage Concentration (%)

balance_sheet

Value: 17.34%

Peer Median: -

#265 of 1069 Top 24.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1066

Share Certificate Concentration (%)

balance_sheet

Value: 55.36%

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1024

Member Growth Rate

growth

Value: -8.81%

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

991

Indirect Auto Concentration (%)

balance_sheet

Value: 41.35%

Peer Median: -

#991 of 1069 Bottom 7.4% in 100M-500M tier

928

Net Charge-Off Rate

risk

Value: 0.88%

Peer Median: -

#928 of 1069 Bottom 13.3% in 100M-500M tier

812

Deposit Growth Rate

growth

Value: 1.21%

Peer Median: -

#812 of 1069 Bottom 24.1% in 100M-500M tier