BlastPoint's Credit Union Scorecard
OK MEMBERS FIRST
Charter #7154 · OK
OK MEMBERS FIRST has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
- - Deposit Growth Rate: Bottom 7.1% in tier
- - Asset Growth Rate: Bottom 7.5% in tier
- - Indirect Auto Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,287
-2.5% YoY+0.8% QoQ
|
+610 |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$24.7M
-8.1% YoY+0.6% QoQ
|
$-5.5M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$17.9M
+4.5% YoY+12.0% QoQ
|
+$2.6M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$20.6M
-9.8% YoY+0.4% QoQ
|
$-5.1M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
0.4%
+12.5% YoY+19.1% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
4.2%
+17.8% YoY+6.9% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
86.5%
-2.6% YoY-5.3% QoQ
|
-4.2% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.7%
+21.3% YoY-34.8% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
86.8%
+15.8% YoY+11.5% QoQ
|
+28.3% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
Top 10.5% in tier |
| AMR |
$11,728
-1.2% YoY+4.6% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
32.2%
-19.2% YoY-5.9% QoQ
|
+7.9% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
6.6%
-45.7% YoY-22.1% QoQ
|
-7.2% | 13.8% | 14.5% | 7.7% | 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)