BlastPoint's Credit Union Scorecard
OU
Charter #9335 · OK
OU has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.86% above tier average
- + Net Interest Margin 0.78% above tier average
- + Strong member growth: 6.8% YoY
- + Total Members: Top 0.4% in tier
- + Total Loans: Top 0.7% in tier
- + Members Per Employee (MPE): Top 3.3% in tier
- + Total Deposits: Top 4.7% in tier
- + Member Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 4.1% in tier
- - Indirect Auto Concentration (%): Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,151
+6.8% YoY+0.8% QoQ
|
+11.5K |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
Top 0.4% in tier |
| Assets |
$80.5M
+0.6% YoY+0.8% QoQ
|
+$50.3M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
Top 7.3% in tier |
| Loans |
$64.4M
+8.2% YoY+3.4% QoQ
|
+$49.1M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
Top 0.7% in tier |
| Deposits |
$75.8M
+0.6% YoY+1.9% QoQ
|
+$50.1M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
Top 4.7% in tier |
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| ROA |
1.0%
+143.0% YoY+342.9% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
4.8%
+8.0% YoY+1.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
85% |
| Efficiency Ratio |
73.1%
+2.5% YoY+1.3% QoQ
|
-17.5% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
0.7%
+12.2% YoY+77.3% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
84.9%
+7.6% YoY+1.5% QoQ
|
+26.4% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
Top 12.9% in tier |
| AMR |
$9,911
-2.7% YoY+1.8% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
7.4%
-51.5% YoY-16.5% QoQ
|
-16.9% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
22.4%
-36.2% YoY-11.4% QoQ
|
+8.6% | 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)