BlastPoint's Credit Union Scorecard
OK MEMBERS FIRST
Charter #7154 · OK
OK MEMBERS FIRST faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 8.77% above tier (higher cost structure)
- - Member decline: -4.0% YoY
- - Asset Growth Rate: Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 7.2% in tier
- - Indirect Auto Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,261
-4.0% YoY-1.0% QoQ
|
+645 |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$24.5M
-9.3% YoY-4.3% QoQ
|
$-5.6M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$16.0M
-9.5% YoY-0.7% QoQ
|
+$233K |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$20.6M
-9.8% YoY-5.2% QoQ
|
$-5.1M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.3%
-6.8% YoY-2.0% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
3.9%
+2.3% YoY+6.1% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
91.3%
+7.8% YoY+1.5% QoQ
|
+8.8% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.1%
+63.0% YoY+65.7% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
77.8%
+0.4% YoY+4.7% QoQ
|
+17.2% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$11,208
-5.9% YoY-2.3% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
34.2%
-13.7% YoY-6.5% QoQ
|
+9.7% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % |
8.5%
-37.2% YoY-11.2% QoQ
|
-5.3% | 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)