BlastPoint's Credit Union Scorecard
MUSKOGEE
Charter #946 · OK
MUSKOGEE has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 16.5% in tier
- + Credit Quality Leader: Top 73.2% in tier
- + ROA 1.06% above tier average
- + Net Interest Margin 0.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 7.9% in tier
- + Net Charge-Off Rate: Top 8.6% in tier
- + Share Certificate Concentration (%): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Total Loans: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
- - Total Assets: Bottom 4.5% in tier
- - Loan-to-Share Ratio: Bottom 4.6% in tier
- - Total Deposits: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,305
+0.1% YoY-0.4% QoQ
|
-7.3K |
15,628
-3.4% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$106.5M
+5.6% YoY+0.5% QoQ
|
$-124.8M |
$231.3M
-0.0% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.5% in tier |
| Loans |
$38.6M
+2.9% YoY+0.0% QoQ
|
$-109.2M |
$147.8M
-1.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.1% in tier |
| Deposits |
$95.0M
+3.8% YoY-0.1% QoQ
|
$-105.3M |
$200.3M
-0.0% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.4% in tier |
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| ROA |
1.9%
+28.2% YoY+2.0% QoQ
|
+1.1% |
0.8%
+15.5% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Top 4.8% in tier |
| NIM |
3.9%
+10.9% YoY+1.3% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
62.4%
-7.9% YoY-1.0% QoQ
|
-14.8% |
77.3%
-3.0% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate |
0.3%
-15.3% YoY-7.1% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
40.6%
-0.9% YoY+0.1% QoQ
|
-32.1% |
72.7%
-1.5% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.5% in tier |
| AMR |
$16,088
+3.4% YoY+0.3% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.8% in tier |
| CD Concentration |
9.5%
+65.4% YoY+7.0% QoQ
|
-14.9% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)