BlastPoint's Credit Union Scorecard

OKLAHOMA

Charter #7151 · OK

1077 CUs in 100M-500M nationally 17 in OK

OKLAHOMA has 9 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 8.6% in tier
+ Wallet Share Momentum: Top 18.1% in tier
+ Profitability Leader: Top 24.5% in tier
+ Credit Quality Leader: Top 88.5% in tier
+ ROA 0.93% above tier average
+ Efficiency Ratio: Top 3.1% in tier
+ Net Worth Ratio: Top 3.3% in tier
+ AMR Growth Rate: Top 6.6% in tier
+ Members Per Employee (MPE): Top 7.1% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 0.1% in tier
- Membership Headwinds: Bottom 2.7% in tier
- Indirect Auto Dependency: Bottom 4.4% in tier
- Margin Compression: Bottom 5.0% in tier
- Credit Quality Pressure: Bottom 22.1% in tier
- Credit Risk Growth: Bottom 28.6% in tier
- Liquidity Overhang: Bottom 39.9% in tier
- Member decline: -9.0% YoY
- Share Certificate Concentration (%): Bottom 0.4% in tier
- Member Growth Rate: Bottom 4.0% in tier
- Indirect Auto Concentration (%): Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,610 -9.0% YoY-6.2% QoQ	-6.0K	15,628 -3.4% YoY	27,533 +2.7% YoY	33,089 +6.1% YoY	27%
Assets	$193.6M +3.1% YoY+1.0% QoQ	$-37.7M	$231.3M -0.0% YoY	$405.5M +5.4% YoY	$547.7M +7.8% YoY	49%
Loans	$121.3M +0.8% YoY+0.5% QoQ	$-26.5M	$147.8M -1.4% YoY	$252.8M +1.3% YoY	$388.7M +8.6% YoY	48%
Deposits	$155.6M +1.8% YoY+0.3% QoQ	$-44.7M	$200.3M -0.0% YoY	$336.4M +4.6% YoY	$464.6M +9.3% YoY	43%

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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% -16.4% YoY-8.5% QoQ	+0.9%	0.8% +15.5% YoY	0.6% +31.7% YoY	0.7% +273.4% YoY	Top 7.0% in tier
NIM	3.4% -18.2% YoY+0.5% QoQ	-0.2%	3.6% +6.9% YoY	3.9% +3.8% YoY	3.7% +5.0% YoY	36%
Efficiency Ratio	52.3% +2.5% YoY+5.2% QoQ	-24.9%	77.3% -3.0% YoY	79.2% -1.1% YoY	79.1% -3.3% YoY	Bottom 3.1% in tier
Delinquency Rate	0.4% +23.3% YoY+127.5% QoQ	-0.5	0.9% +7.6% YoY	1.1% -4.2% YoY	1.2% -0.9% YoY	23%
Loan To Share	78.0% -1.0% YoY+0.1% QoQ	+5.3%	72.7% -1.5% YoY	71.1% -2.1% YoY	68.0% -1.7% YoY	58%
AMR	$28,807 +11.4% YoY+7.0% QoQ	+$4K	$24,363 +2.9% YoY	$17,893 +3.6% YoY	$19,418 +1.3% YoY	80%
CD Concentration	54.9% +3.7% YoY+1.5% QoQ	+30.5%	24.4% +4.2% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	41.1% -9.0% YoY-1.5% QoQ	+27.2%	14.0% -5.7% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#23 of 257 • Top 8.6% 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): 11.38%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $1.9K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#88 of 481 • Top 18.1% in tier

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

Why This Signature

AMR Growth (YoY): 11.38%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Profitability Leader

growth

#84 of 340 • Top 24.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.72%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Credit Quality Leader

growth

#301 of 340 • Top 88.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.35%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (7)

Stagnation Risk

risk

#3 of 550 • Bottom 0.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.98%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.79%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.35%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#45 of 550 • Bottom 2.7% in tier

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

Why This Signature

Member Growth (YoY): -8.98%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#72 of 525 • Bottom 4.4% in tier

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

Why This Signature

Asset Growth (YoY): 3.10%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 41.13%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -8.98%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Margin Compression

decline

#22 of 136 • Bottom 5.0% 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: 1.72%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 2.05%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk

#548 of 736 • Bottom 22.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#429 of 446 • Bottom 28.6% in tier

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

Why This Signature

Loan Growth (YoY): 0.79%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk

#54 of 134 • Bottom 39.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.51%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 77.95%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (9 metrics)

Efficiency Ratio

profitability

Value: 52.33%

Peer Avg: -

#34 of 1077 Top 3.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.51%

Peer Avg: -

#37 of 1077 Top 3.3% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.38%

Peer Avg: -

#72 of 1077 Top 6.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.72%

Peer Avg: -

#75 of 1077 Top 6.9% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 480.500

Peer Avg: -

#78 of 1077 Top 7.1% in 100M-500M tier

157

Fee Income Per Member

profitability

Value: $246.77

Peer Avg: -

#157 of 1077 Top 14.5% in 100M-500M tier

213

Loan-to-Member Ratio (LMR)

engagement

Value: $12,619

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

219

Average Member Relationship (AMR)

engagement

Value: $28,807

Peer Avg: -

#219 of 1077 Top 20.2% in 100M-500M tier

246

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Avg: -

#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1074

Share Certificate Concentration (%)

balance_sheet

Value: 54.88%

Peer Avg: -

#1074 of 1077 Bottom 0.4% in 100M-500M tier

1035

Member Growth Rate

growth

Value: -8.98%

Peer Avg: -

#1035 of 1077 Bottom 4.0% in 100M-500M tier

990

Indirect Auto Concentration (%)

balance_sheet

Value: 41.13%

Peer Avg: -

#990 of 1077 Bottom 8.2% in 100M-500M tier

838

Net Charge-Off Rate

risk

Value: 0.66%

Peer Avg: -

#838 of 1077 Bottom 22.3% in 100M-500M tier