BlastPoint's Credit Union Scorecard
MUSKOGEE
Charter #946 · OK
MUSKOGEE has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.08% above tier average
- + Net Interest Margin 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 6.1% in tier
- + Net Charge-Off Rate: Top 6.2% in tier
- + Efficiency Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 78.7% in tier
- - Stagnation Risk: Bottom 85.2% in tier
- - Membership Headwinds: Bottom 96.9% in tier
- - Institutional Decline: Bottom 98.3% in tier
- - Total Loans: Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 4.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
- - Total Assets: Bottom 6.6% in tier
- - Total Deposits: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,247
-0.7% YoY-0.7% QoQ
|
-7.2K |
15,437
-2.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$109.5M
+6.0% YoY+2.9% QoQ
|
$-122.3M |
$231.9M
+1.3% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.5% in tier |
| Loans |
$38.2M
-1.5% YoY-1.0% QoQ
|
$-109.1M |
$147.3M
-0.1% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.2% in tier |
| Deposits |
$97.7M
+4.3% YoY+2.8% QoQ
|
$-103.2M |
$200.8M
+0.8% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.9% in tier |
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| ROA |
1.8%
+16.1% YoY-0.6% QoQ
|
+1.1% |
0.8%
+18.2% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
Top 3.6% in tier |
| NIM |
3.9%
+8.7% YoY-0.9% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
62.0%
-5.7% YoY-0.8% QoQ
|
-15.1% |
77.0%
-3.1% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
0.4%
+27.9% YoY+19.7% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
39.1%
-5.5% YoY-3.6% QoQ
|
-33.1% |
72.2%
-1.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.9% in tier |
| AMR |
$16,473
+3.2% YoY+2.4% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.6% in tier |
| CD Concentration |
9.9%
+47.3% YoY+3.4% QoQ
|
-14.6% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)