BlastPoint's Credit Union Scorecard
MUSKOGEE
Charter #946 · OK
MUSKOGEE has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 0.13% above tier average
- + First Mortgage Concentration (%): Top 5.8% in tier
- + Efficiency Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Total Loans: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 3.9% in tier
- - Total Assets: Bottom 8.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Oklahoma.
- Shares and deposits +4.0% year over year ($98.9M in shares and deposits).
- Membership: 8,184 members, -1.9% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 1.85%.
- Efficiency ratio 60.91% vs a 76.73% peer average.
- Loan-to-share ratio 37.90% vs a 71.54% 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 |
8,184
-1.9% YoY-0.1% QoQ
|
-7.0K |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$112.0M
+5.7% YoY+0.3% QoQ
|
$-120.0M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.1% in tier |
| Loans |
$37.5M
-2.8% YoY+0.2% QoQ
|
$-108.8M |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.1% in tier |
| Deposits |
$98.9M
+4.0% YoY-0.3% QoQ
|
$-101.8M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.8% in tier |
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| ROA |
1.8%
+1.7% YoY-3.0% QoQ
|
+1.0% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Top 5.2% in tier |
| NIM |
3.8%
-0.6% YoY+1.4% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
60.9%
-3.5% YoY+0.1% QoQ
|
-15.8% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Top 9.6% in tier |
| Delinquency Rate |
0.6%
+74.3% YoY+150.0% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
37.9%
-6.5% YoY+0.5% QoQ
|
-33.6% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.8% in tier |
| AMR |
$16,670
+4.0% YoY-0.1% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
15% |
| CD Concentration |
10.6%
+18.4% YoY+5.8% QoQ
|
-14.0% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 7.7% | 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)