BlastPoint's Credit Union Scorecard
OU
Charter #9335 · OK
OU has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.86% above tier average
- + Strong member growth: 5.1% YoY
- + Total Members: Top 0.4% in tier
- + Total Loans: Top 1.0% in tier
- + Members Per Employee (MPE): Top 1.8% in tier
- + Total Deposits: Top 3.7% in tier
- + Total Assets: Top 6.6% in tier
- + Member Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Net Worth Ratio: Bottom 3.8% in tier
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits +3.1% year over year ($77.8M in shares and deposits).
- Membership: 14,308 members, +5.1% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.89%.
- Efficiency ratio 71.56% vs a 88.77% peer average.
- Loan-to-share ratio 81.95% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,308
+5.1% YoY+1.1% QoQ
|
+11.7K |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
Top 0.4% in tier |
| Assets |
$82.7M
+3.2% YoY+2.7% QoQ
|
+$52.4M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Top 6.6% in tier |
| Loans |
$63.8M
-0.7% YoY-1.0% QoQ
|
+$48.3M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
Top 1.0% in tier |
| Deposits |
$77.8M
+3.1% YoY+2.6% QoQ
|
+$52.0M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
Top 3.7% in tier |
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| ROA |
0.9%
+573.4% YoY-11.9% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
55% |
| NIM |
4.8%
+5.7% YoY-0.6% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
71.6%
+0.9% YoY-2.1% QoQ
|
-17.2% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
1.1%
-4.3% YoY+49.1% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
81.9%
-3.6% YoY-3.5% QoQ
|
+23.1% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$9,893
-3.5% YoY-0.2% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
4.0%
-61.5% YoY-45.7% QoQ
|
-20.5% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
20.4%
-31.6% YoY-9.0% QoQ
|
+6.7% | 13.6% | 14.2% | 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)