BlastPoint's Credit Union Scorecard

OKLAHOMA

Charter #7151 · OK

100M-500M

1024 CUs in 100M-500M nationally 18 in OK

OKLAHOMA has 7 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 0.81% above tier average
+ Net Worth Ratio: Top 3.2% in tier
+ Efficiency Ratio: Top 4.8% in tier
+ Members Per Employee (MPE): Top 5.8% in tier
+ AMR Growth Rate: Top 7.5% in tier

Key Concerns

Areas that may need attention

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Oklahoma.
Shares and deposits +2.7% year over year ($159M in shares and deposits).
Membership: 9,502 members, -7.3% vs a year ago.
Delinquency rate 0.24%.
Return on assets 1.67%.
Efficiency ratio 56.35% vs a 76.73% peer average.
Loan-to-share ratio 78.76% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,502 -7.3% YoY+0.1% QoQ	-5.7K	15,168 -2.6% YoY	28,343 +3.0% YoY	34,678 +6.6% YoY	29%
Assets	$198.9M +3.8% YoY+0.7% QoQ	$-33.1M	$232.0M +0.7% YoY	$422.2M +5.5% YoY	$593.1M +10.2% YoY	51%
Loans	$125.4M +3.9% YoY+0.8% QoQ	$-20.9M	$146.3M +0.2% YoY	$261.4M +3.6% YoY	$418.6M +10.1% YoY	50%
Deposits	$159.2M +2.7% YoY+0.4% QoQ	$-41.5M	$200.7M +0.2% YoY	$356.1M +5.9% YoY	$504.8M +10.3% 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	1.7% -10.9% YoY+2.8% QoQ	+0.8%	0.9% +12.5% YoY	0.8% +38.1% YoY	1.2% +121.4% YoY	Top 8.2% in tier
NIM	3.3% -1.6% YoY+1.8% QoQ	-0.4%	3.7% +4.5% YoY	4.0% +2.7% YoY	3.8% +2.3% YoY	27%
Efficiency Ratio	56.4% +13.3% YoY-1.5% QoQ	-20.4%	76.7% -0.8% YoY	80.0% +0.4% YoY	83.0% -5.3% YoY	Top 4.8% in tier
Delinquency Rate	0.2% +52.0% YoY-26.1% QoQ	-0.6	0.9% +6.6% YoY	0.9% -29.0% YoY	1.3% +2.6% YoY	Top 14.0% in tier
Loan To Share	78.8% +1.2% YoY+0.4% QoQ	+7.2%	71.5% -0.3% YoY	69.7% -2.0% YoY	66.4% -1.4% YoY	61%
AMR	$29,948 +11.3% YoY+0.5% QoQ	+$5K	$25,107 +3.2% YoY	$18,336 +3.3% YoY	$20,028 -0.9% YoY	79%
CD Concentration	56.0% +3.6% YoY+0.6% QoQ	+31.5%	24.6%	22.8%	20.0%	50%
Indirect Auto %	42.4% +1.6% YoY+1.6% QoQ	+28.8%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#27 of 262 • 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): 11.28%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.0K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#98 of 483 • 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): 11.28%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (8)

Indirect Auto Dependency

risk

#52 of 476 • 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): 3.76%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 42.44%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -7.26%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Membership Headwinds

decline

#71 of 549 • 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): -7.26%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Margin Compression

decline

#42 of 140 • 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: 1.67%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.87%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

Liquidity Overhang

risk

#55 of 130 • 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: 20.23%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 78.76%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY

Cost Spiral

risk

#46 of 95 • 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: 6.60% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 49.76%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Stagnation Risk

risk

#293 of 549 • 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): -7.26%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 3.88%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.24%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#523 of 693 • 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): 0.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#392 of 472 • 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): 3.88%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | 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 1024 peers in tier

Top Strengths (10 metrics)

Net Worth Ratio

risk

Value: 20.23%

Peer Median: 11.71%

#34 of 1024 Top 3.2% in 100M-500M tier

Efficiency Ratio

profitability

Value: 56.35%

Peer Median: 77.26%

#50 of 1024 Top 4.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 500.105

Peer Median: 310.924

#60 of 1024 Top 5.8% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.28%

Peer Median: 3.53%

#78 of 1024 Top 7.5% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.67%

Peer Median: 0.75%

#84 of 1024 Top 8.1% in 100M-500M tier

144

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: 0.71%

#144 of 1024 Top 14.0% in 100M-500M tier

145

Fee Income Per Member

profitability

Value: $241.01

Peer Median: $159.88

#145 of 1024 Top 14.1% in 100M-500M tier

186

Loan-to-Member Ratio (LMR)

engagement

Value: $13,195

Peer Median: $9,434

#186 of 1024 Top 18.1% in 100M-500M tier

212

Average Member Relationship (AMR)

engagement

Value: $29,948

Peer Median: $23,006

#212 of 1024 Top 20.6% in 100M-500M tier

248

First Mortgage Concentration (%)

balance_sheet

Value: 17.29%

Peer Median: 29.92%

#248 of 1024 Top 24.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1019

Share Certificate Concentration (%)

balance_sheet

Value: 56.01%

Peer Median: 23.39%

#1019 of 1024 Bottom 0.6% in 100M-500M tier

970

Member Growth Rate

growth

Value: -7.26%

Peer Median: -0.03%

#970 of 1024 Bottom 5.4% in 100M-500M tier

958

Indirect Auto Concentration (%)

balance_sheet

Value: 42.44%

Peer Median: 6.15%

#958 of 1024 Bottom 6.5% in 100M-500M tier

781

Net Charge-Off Rate

risk

Value: 0.63%

Peer Median: 0.34%

#781 of 1024 Bottom 23.8% in 100M-500M tier