BlastPoint's Credit Union Scorecard
VELMA
Charter #8962 · OK
VELMA has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 2.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.78% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
705
+1.3% YoY-0.4% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$2.9M
-1.5% YoY-3.5% QoQ
|
$-27.2M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.6% in tier |
| Loans |
$2.7M
-0.5% YoY-3.5% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$2.5M
-2.7% YoY-2.9% QoQ
|
$-23.2M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.6% in tier |
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| ROA |
0.8%
+9.3% YoY-63.3% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
6.0%
+15.6% YoY-3.7% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
87.3%
+0.7% YoY+31.0% QoQ
|
+4.8% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.2%
-86.6% YoY-79.6% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
108.8%
+2.3% YoY-0.6% QoQ
|
+48.2% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Top 1.8% in tier |
| AMR |
$7,367
-2.9% YoY-2.8% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
14.0%
-30.9% YoY+3.9% QoQ
|
-10.4% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 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)