BlastPoint's Credit Union Scorecard
VELMA
Charter #8962 · OK
VELMA has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.50% above tier average
- + Net Interest Margin 2.80% above tier average
- + Loan-to-Share Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
689
-1.9% YoY-2.3% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$3.0M
+0.9% YoY+2.0% QoQ
|
$-27.2M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.6% in tier |
| Loans |
$2.6M
-4.3% YoY-3.1% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$2.5M
-0.3% YoY+1.8% QoQ
|
$-23.3M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.6% in tier |
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| ROA |
1.6%
+38.0% YoY+101.8% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
Top 12.1% in tier |
| NIM |
6.8%
+32.0% YoY+13.5% QoQ
|
+2.8% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 1.5% in tier |
| Efficiency Ratio |
76.9%
-2.3% YoY-12.0% QoQ
|
-13.7% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
2.0%
-5.6% YoY+900.2% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
103.7%
-4.0% YoY-4.7% QoQ
|
+45.1% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
Top 2.4% in tier |
| AMR |
$7,482
-0.5% YoY+1.6% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
15.8%
+4.2% YoY+12.8% QoQ
|
-8.5% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)