BlastPoint's Credit Union Scorecard
VELMA
Charter #8962 · OK
VELMA demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Net Interest Margin 2.74% above tier average
- + Loan-to-Share Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 -0.3% year over year ($2.6M in shares and deposits).
- Membership: 689 members, -1.9% vs a year ago.
- Delinquency rate 1.55%.
- Return on assets 2.11%.
- Efficiency ratio 69.70% vs a 88.77% peer average.
- Loan-to-share ratio 100.86% 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 |
689
-1.9% YoY0% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$3.1M
+0.6% YoY+3.0% QoQ
|
$-27.2M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.8% in tier |
| Loans |
$2.6M
-3.2% YoY+0.2% QoQ
|
$-12.8M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$2.6M
-0.3% YoY+2.9% QoQ
|
$-23.2M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.7% in tier |
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| ROA |
2.1%
+12.3% YoY+28.2% QoQ
|
+0.6% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Top 8.3% in tier |
| NIM |
6.6%
+9.5% YoY-2.5% QoQ
|
+2.7% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
Top 1.5% in tier |
| Efficiency Ratio |
69.7%
-2.1% YoY-9.4% QoQ
|
-19.1% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
1.6%
-7.1% YoY-23.8% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
100.9%
-3.0% YoY-2.7% QoQ
|
+42.0% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 2.9% in tier |
| AMR |
$7,596
+0.1% YoY+1.5% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
10.5%
-19.8% YoY-33.3% QoQ
|
-14.0% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)