BlastPoint's Credit Union Scorecard

DEPARTMENT OF PUBLIC SAFETY

Charter #8890 · OK

2556 CUs in <100M nationally 27 in OK

DEPARTMENT OF PUBLIC SAFETY has 2 strengths but faces 3 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

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.43% below tier average
- Efficiency ratio 5.56% above tier (higher cost structure)
- Member decline: -2.0% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	2,383 -2.0% YoY0% QoQ	-232	2,615 -1.9% YoY	27,482 +2.5% YoY	33,374 +5.7% YoY	58%
Assets	$27.4M +0.2% YoY-1.4% QoQ	$-2.8M	$30.1M +2.1% YoY	$405.9M +5.4% YoY	$561.6M +9.7% YoY	56%
Loans	$13.0M -3.1% YoY+1.2% QoQ	$-2.7M	$15.8M -1.3% YoY	$252.1M +2.0% YoY	$397.0M +8.8% YoY	58%
Deposits	$23.0M -2.1% YoY-1.8% QoQ	$-2.7M	$25.7M +1.4% YoY	$340.9M +4.8% YoY	$477.3M +9.7% YoY	56%

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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	0.2% -43.1% YoY+17.4% QoQ	-0.4%	0.6% +10.8% YoY	0.5% +4.6% YoY	0.7% +15.9% YoY	25%
NIM	3.6% +5.5% YoY+1.8% QoQ	-0.4%	4.0% +4.0% YoY	3.9% +3.6% YoY	3.8% +5.1% YoY	37%
Efficiency Ratio	88.1% +4.6% YoY+1.3% QoQ	+5.6%	82.6% -2.3% YoY	81.1% +0.6% YoY	79.7% -3.3% YoY	71%
Delinquency Rate	0.3% +1184.6% YoY+23.3% QoQ	-1.3	1.6% -3.1% YoY	1.2% +8.0% YoY	1.3% -2.1% YoY	31%
Loan To Share	56.6% -1.1% YoY+3.1% QoQ	-4.0%	60.6% -3.1% YoY	70.1% -2.3% YoY	67.4% -1.7% YoY	44%
AMR	$15,116 -0.5% YoY-0.7% QoQ	+$333	$14,783 -1.4% YoY	$18,047 +3.6% YoY	$19,687 +2.0% YoY	57%
CD Concentration	10.9% -0.8% YoY-16.8% QoQ	-13.6%	24.4%	23.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	14.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

Top Weaknesses (1 metrics)

1922

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Median: -

#1922 of 2556 Bottom 24.8% in <100M tier