BlastPoint's Credit Union Scorecard
OU
Charter #9335 · OK
OU has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.78% above tier average
- + Strong member growth: 5.4% YoY
- + Total Members: Top 0.3% in tier
- + Total Loans: Top 1.5% in tier
- + Members Per Employee (MPE): Top 1.9% in tier
- + Total Deposits: Top 5.2% in tier
- + Member Growth Rate: Top 5.6% in tier
- + Total Assets: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Net Worth Ratio: Bottom 3.3% in tier
- - Indirect Auto Concentration (%): Bottom 4.6% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,043
+5.4% YoY+1.0% QoQ
|
+11.4K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
Top 0.3% in tier |
| Assets |
$79.9M
+1.3% YoY+2.0% QoQ
|
+$49.7M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
Top 7.8% in tier |
| Loans |
$62.3M
+1.0% YoY-2.6% QoQ
|
+$46.5M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
Top 1.5% in tier |
| Deposits |
$74.4M
+1.2% YoY+1.7% QoQ
|
+$48.7M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
Top 5.2% in tier |
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| ROA |
0.2%
+128.4% YoY-11.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
4.7%
+11.9% YoY+1.3% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
72.2%
-3.8% YoY+1.7% QoQ
|
-10.4% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.4%
-40.4% YoY-19.9% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
83.7%
-0.2% YoY-4.3% QoQ
|
+23.1% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$9,733
-4.1% YoY-1.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
8.9%
-50.0% YoY-11.2% QoQ
|
-15.5% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % |
25.3%
-31.8% YoY-7.1% QoQ
|
+11.5% | 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)