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
- + Net Interest Margin 0.85% above tier average
- + Loan Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.16% below tier average
- - Efficiency ratio 1.35% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 7.3% in tier
- - Deposit Growth Rate: Bottom 8.6% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits -9.1% year over year ($20.7M in shares and deposits).
- Membership: 3,263 members, -1.7% vs a year ago.
- Delinquency rate 0.72%.
- Return on assets 0.33%.
- Efficiency ratio 90.12% vs a 88.77% peer average.
- Loan-to-share ratio 88.49% vs a 58.89% 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 |
3,263
-1.7% YoY-0.7% QoQ
|
+677 |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
71% |
| Assets |
$24.4M
-8.4% YoY-1.1% QoQ
|
$-5.9M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$18.3M
+12.4% YoY+2.1% QoQ
|
+$2.8M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$20.7M
-9.1% YoY+0.1% QoQ
|
$-5.1M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.3%
+6.8% YoY-6.4% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
4.8%
+33.9% YoY+13.9% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
90.1%
-0.6% YoY+4.2% QoQ
|
+1.4% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.7%
+14.4% YoY-0.8% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
88.5%
+23.7% YoY+2.0% QoQ
|
+29.6% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 10.7% in tier |
| AMR |
$11,936
+1.6% YoY+1.8% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
32.4%
-19.2% YoY+0.8% QoQ
|
+7.9% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
6.0%
-47.1% YoY-9.6% QoQ
|
-7.6% | 13.6% | 14.2% | 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)