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 0.74% above tier average
- + Strong member growth: 5.1% YoY
- + Total Members: Top 0.3% in tier
- + Total Loans: Top 1.2% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
- + Total Deposits: Top 5.5% in tier
- + Member Growth Rate: Top 6.7% in tier
- + Total Assets: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Net Worth Ratio: Bottom 4.0% in tier
- - Indirect Auto Concentration (%): Bottom 4.4% in tier
- - Net Charge-Off Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,900
+5.1% YoY+2.1% QoQ
|
+11.3K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Top 0.3% in tier |
| Assets |
$78.3M
+0.3% YoY-2.3% QoQ
|
+$48.4M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Top 8.1% in tier |
| Loans |
$63.9M
+5.1% YoY-0.4% QoQ
|
+$48.2M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
Top 1.3% in tier |
| Deposits |
$73.2M
+0.1% YoY-3.1% QoQ
|
+$47.7M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Top 5.5% in tier |
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| ROA |
0.3%
+47.3% YoY+94.3% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
4.7%
+12.0% YoY+3.8% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
70.9%
-6.9% YoY+0.0% QoQ
|
-10.5% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.5%
-36.9% YoY-54.8% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
87.4%
+4.9% YoY+2.8% QoQ
|
+26.2% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 13.9% in tier |
| AMR |
$9,862
-2.6% YoY-3.8% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
10.0%
-35.5% YoY-4.3% QoQ
|
-14.4% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
27.2%
-32.9% YoY-8.7% QoQ
|
+13.2% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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)