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 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.64% below tier average
- - Efficiency ratio 40.82% above tier (higher cost structure)
- - Member decline: -8.5% YoY
- - Net Worth Ratio: Bottom 2.6% in tier
- - Asset Growth Rate: Bottom 6.3% in tier
- - Member Growth Rate: Bottom 7.8% in tier
- - Indirect Auto Concentration (%): Bottom 8.8% in tier
- - Deposit Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,167
-8.5% YoY-2.1% QoQ
|
-509 |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$27.9M
-8.9% YoY-0.3% QoQ
|
$-2.2M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$16.1M
-12.8% YoY-3.6% QoQ
|
+$805K |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$25.9M
-8.3% YoY+0.2% QoQ
|
+$152K |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
-1.5%
-48.9% YoY-34.9% QoQ
|
-1.6% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.3% in tier |
| NIM |
3.2%
+13.5% YoY+1.8% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
131.5%
-0.4% YoY-5.5% QoQ
|
+40.8% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate |
0.3%
-40.6% YoY-83.1% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
62.0%
-4.9% YoY-3.9% QoQ
|
+3.5% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$19,391
-1.7% YoY+0.8% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
29.9%
-15.4% YoY-7.9% QoQ
|
+5.6% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
9.6%
-26.4% YoY-6.3% QoQ
|
-4.2% | 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)