BlastPoint's Credit Union Scorecard

OKLAHOMA

Charter #7151 · OK

100M-500M

1070 CUs in 100M-500M nationally 18 in OK

OKLAHOMA has 6 strengths but faces 8 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 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.90% above tier average
+ Net Worth Ratio: Top 3.0% in tier
+ Efficiency Ratio: Top 5.4% in tier
+ AMR Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,491 -8.3% YoY-0.6% QoQ	-5.7K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	29%
Assets	$197.4M +3.0% YoY+1.3% QoQ	$-34.3M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	50%
Loans	$124.4M +3.4% YoY+1.3% QoQ	$-19.8M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	52%
Deposits	$158.5M +1.2% YoY+1.3% QoQ	$-42.6M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	45%

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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	1.6% -9.4% YoY-3.9% QoQ	+0.9%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Top 8.5% in tier
NIM	3.2% -1.1% YoY-6.1% QoQ	-0.4%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	27%
Efficiency Ratio	57.2% +16.1% YoY+10.5% QoQ	-20.8%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Top 5.4% in tier
Delinquency Rate	0.3% +39.1% YoY-9.7% QoQ	-0.5	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	24%
Loan To Share	78.5% +2.2% YoY-0.1% QoQ	+8.0%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	64%
AMR	$29,807 +11.4% YoY+1.9% QoQ	+$5K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	81%
CD Concentration	55.7% +4.3% YoY+0.6% QoQ	+31.4%	24.3%	22.8%	19.8%	50%
Indirect Auto %	41.8% -2.2% YoY+1.1% QoQ	+28.0%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#25 of 257 • Top 50.0% 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): 11.40%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.0K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#92 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 11.40%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (8)

Membership Headwinds

decline

#57 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -8.31%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#73 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.96%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 41.79%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -8.31%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Cost Spiral

risk

#30 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.93% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 32.84%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Margin Compression

decline

#56 of 133 • Bottom 50.0% 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: 1.62%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.79%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Stagnation Risk

risk

#242 of 570 • Bottom 50.0% 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): -8.31%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.38%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.32%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Overhang

risk

#66 of 126 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 19.95%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 78.45%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#506 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY

Credit Risk Growth

risk

#386 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 3.38%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 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 1070 peers in tier

Top Strengths (10 metrics)

Net Worth Ratio

risk

Value: 19.95%

Peer Median: 11.45%

#33 of 1070 Top 3.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 57.21%

Peer Median: 78.68%

#59 of 1070 Top 5.4% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.40%

Peer Median: 3.46%

#73 of 1070 Top 6.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.62%

Peer Median: 0.69%

#91 of 1070 Top 8.4% in 100M-500M tier

117

Members Per Employee (MPE)

engagement

Value: 451.952

Peer Median: 309.176

#117 of 1070 Top 10.8% in 100M-500M tier

170

Fee Income Per Member

profitability

Value: $229.76

Peer Median: $154.95

#170 of 1070 Top 15.8% in 100M-500M tier

189

Loan-to-Member Ratio (LMR)

engagement

Value: $13,104

Peer Median: $9,356

#189 of 1070 Top 17.6% in 100M-500M tier

207

Average Member Relationship (AMR)

engagement

Value: $29,807

Peer Median: $22,931

#207 of 1070 Top 19.3% in 100M-500M tier

253

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: 0.61%

#253 of 1070 Top 23.6% in 100M-500M tier

268

First Mortgage Concentration (%)

balance_sheet

Value: 17.35%

Peer Median: 29.47%

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (3 metrics)

1067

Share Certificate Concentration (%)

balance_sheet

Value: 55.68%

Peer Median: 23.10%

#1067 of 1070 Bottom 0.4% in 100M-500M tier

1018

Member Growth Rate

growth

Value: -8.31%

Peer Median: -0.06%

#1018 of 1070 Bottom 5.0% in 100M-500M tier

995

Indirect Auto Concentration (%)

balance_sheet

Value: 41.79%

Peer Median: 6.61%

#995 of 1070 Bottom 7.1% in 100M-500M tier