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 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 2.91% below tier average
- - Efficiency ratio 56.52% above tier (higher cost structure)
- - Delinquency rate 0.20% above tier average
- - Member decline: -7.2% YoY
- - Net Worth Ratio: Bottom 3.4% in tier
- - Asset Growth Rate: Bottom 7.4% in tier
- - Indirect Auto Concentration (%): Bottom 9.0% in tier
- - Member Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,214
-7.2% YoY-2.0% QoQ
|
-401 |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$28.0M
-8.0% YoY-3.0% QoQ
|
$-2.1M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$16.7M
-13.4% YoY-2.8% QoQ
|
+$932K |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$25.9M
-6.6% YoY-2.4% QoQ
|
+$190K |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
-2.3%
+166.2% YoY+23.6% QoQ
|
-2.9% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.7% in tier |
| NIM |
3.1%
+15.7% YoY+2.1% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
139.1%
+18.9% YoY+7.4% QoQ
|
+56.5% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
1.8%
+208.0% YoY+193.5% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
64.5%
-7.3% YoY-0.4% QoQ
|
+3.9% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$19,228
-2.4% YoY-0.5% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
32.5%
-9.2% YoY-1.8% QoQ
|
+8.0% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % |
10.2%
-21.0% YoY-6.9% QoQ
|
-3.6% | 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)