BlastPoint's Credit Union Scorecard
FIRST OKLAHOMA
Charter #9090 · OK
FIRST OKLAHOMA has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 2.54% below tier average
- - Efficiency ratio 48.09% above tier (higher cost structure)
- - Member decline: -9.7% YoY
- - Asset Growth Rate: Bottom 3.3% in tier
- - Deposit Growth Rate: Bottom 4.9% in tier
- - Net Worth Ratio: Bottom 5.5% in tier
- - Member Growth Rate: Bottom 6.2% in tier
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,260
-9.7% YoY-2.4% QoQ
|
-365 |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$28.9M
-12.5% YoY+0.2% QoQ
|
$-975K |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$17.2M
-13.3% YoY-3.4% QoQ
|
+$1.4M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$26.5M
-12.5% YoY-0.1% QoQ
|
+$1.1M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
61% |
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| ROA |
-1.9%
+161.6% YoY-9.1% QoQ
|
-2.5% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.4% in tier |
| NIM |
3.1%
+14.4% YoY+4.4% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
129.5%
+14.8% YoY+0.2% QoQ
|
+48.1% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
0.6%
+127.0% YoY-19.3% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
64.8%
-0.9% YoY-3.3% QoQ
|
+3.6% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$19,331
-3.4% YoY+1.0% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
33.1%
-19.5% YoY-8.3% QoQ
|
+8.7% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.0%
-20.8% YoY-12.4% QoQ
|
-3.0% |
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)