BlastPoint's Credit Union Scorecard
OK MEMBERS FIRST
Charter #7154 · OK
OK MEMBERS FIRST faces 7 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 0.38% below tier average
- - Efficiency ratio 8.56% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - Asset Growth Rate: Bottom 9.3% in tier
- - Deposit Growth Rate: Bottom 9.3% in tier
- - Indirect Auto Concentration (%): Bottom 9.6% in tier
- - Share Certificate Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,294
-3.4% YoY-0.8% QoQ
|
+668 |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$25.7M
-7.1% YoY-3.8% QoQ
|
$-4.2M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$16.1M
-11.7% YoY-1.0% QoQ
|
+$339K |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$21.7M
-8.5% YoY-4.7% QoQ
|
$-3.8M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
0.3%
-10.2% YoY-2.2% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
3.7%
-4.1% YoY+3.7% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
90.0%
+6.0% YoY-0.8% QoQ
|
+8.6% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.7%
-23.3% YoY+6.9% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
74.3%
-3.5% YoY+3.9% QoQ
|
+13.1% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$11,470
-6.8% YoY-2.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
36.5%
-3.1% YoY-8.9% QoQ
|
+12.1% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.6%
-32.5% YoY-15.5% QoQ
|
-4.4% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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)