BlastPoint's Credit Union Scorecard
VELMA
Charter #8962 · OK
VELMA demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.54% above tier average
- + Net Interest Margin 2.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
708
+2.2% YoY+0.9% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$3.0M
+2.2% YoY-0.8% QoQ
|
$-26.8M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.9% in tier |
| Loans |
$2.8M
+1.3% YoY+3.2% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$2.6M
+0.2% YoY-1.9% QoQ
|
$-22.9M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.9% in tier |
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| ROA |
2.2%
+82.3% YoY+18.2% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Top 6.0% in tier |
| NIM |
6.2%
+13.1% YoY+2.7% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 3.2% in tier |
| Efficiency Ratio |
66.7%
-16.2% YoY-6.4% QoQ
|
-14.7% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
1.0%
-22.0% YoY-40.2% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
109.4%
+1.1% YoY+5.2% QoQ
|
+48.2% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 1.8% in tier |
| AMR |
$7,579
-1.3% YoY-0.1% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
13.4%
-30.9% YoY+2.5% QoQ
|
-11.0% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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)