BlastPoint's Credit Union Scorecard

MUSKOGEE

Charter #946 · OK

100M-500M

1070 CUs in 100M-500M nationally 18 in OK

MUSKOGEE has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.17% above tier average
+ Net Interest Margin 0.14% above tier average
+ First Mortgage Concentration (%): Top 6.0% in tier
+ Efficiency Ratio: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Total Loans: Bottom 2.2% in tier
- Loan-to-Share Ratio: Bottom 3.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- Total Assets: Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	8,191 -1.7% YoY-0.7% QoQ	-7.0K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	20%
Assets	$111.7M +6.6% YoY+2.0% QoQ	$-120.0M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	Bottom 8.3% in tier
Loans	$37.4M -2.1% YoY-2.0% QoQ	$-106.7M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	Bottom 2.1% in tier
Deposits	$99.3M +5.0% YoY+1.6% QoQ	$-101.9M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	Bottom 10.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.9% +5.1% YoY+3.3% QoQ	+1.2%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Top 5.0% in tier
NIM	3.8% -0.0% YoY-2.4% QoQ	+0.1%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	60.8% -3.4% YoY-1.8% QoQ	-17.2%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Top 9.3% in tier
Delinquency Rate	0.2% -18.5% YoY-37.3% QoQ	-0.5	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	16%
Loan To Share	37.7% -6.8% YoY-3.6% QoQ	-32.7%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	Bottom 3.6% in tier
AMR	$16,688 +4.7% YoY+1.3% QoQ	$-8K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	15%
CD Concentration	10.0% +32.0% YoY+1.2% QoQ	-14.3%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Membership Headwinds

decline

#402 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#404 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.23%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#241 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $111.72M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.90%

Peer Median: 0.69%

#53 of 1070 Top 4.9% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 5.45%

Peer Median: 29.47%

#65 of 1070 Top 6.0% in 100M-500M tier

100

Efficiency Ratio

profitability

Value: 60.82%

Peer Median: 78.68%

#100 of 1070 Top 9.3% in 100M-500M tier

109

Share Certificate Concentration (%)

balance_sheet

Value: 9.99%

Peer Median: 23.10%

#109 of 1070 Top 10.1% in 100M-500M tier

175

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: 0.61%

#175 of 1070 Top 16.3% in 100M-500M tier

Top Weaknesses (8 metrics)

1047

Total Loans

balance_sheet

Value: $37.43M

Peer Median: $121.41M

#1047 of 1070 Bottom 2.2% in 100M-500M tier

1031

Loan-to-Share Ratio

balance_sheet

Value: 37.70%

Peer Median: 71.88%

#1031 of 1070 Bottom 3.7% in 100M-500M tier

1031

Loan-to-Member Ratio (LMR)

engagement

Value: $4,569

Peer Median: $9,356

#1031 of 1070 Bottom 3.7% in 100M-500M tier

981

Total Assets

balance_sheet

Value: $111.72M

Peer Median: $196.57M

#981 of 1070 Bottom 8.4% in 100M-500M tier

959

Total Deposits

balance_sheet

Value: $99.26M

Peer Median: $171.29M

#959 of 1070 Bottom 10.5% in 100M-500M tier

908

Average Member Relationship (AMR)

engagement

Value: $16,688

Peer Median: $22,931

#908 of 1070 Bottom 15.2% in 100M-500M tier

861

Total Members

engagement

Value: 8,191

Peer Median: 13,200

#861 of 1070 Bottom 19.6% in 100M-500M tier

838

Loan Growth Rate

growth

Value: -2.10%

Peer Median: 2.93%

#838 of 1070 Bottom 21.8% in 100M-500M tier