BlastPoint's Credit Union Scorecard
EMPLOYEES
Charter #9715 · OK
EMPLOYEES has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 4.8% in tier
- + AMR Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 6.19% above tier (higher cost structure)
- - Member decline: -6.4% YoY
- - Net Worth Ratio: Bottom 5.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,434
-6.4% YoY-0.4% QoQ
|
+757 |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$48.1M
+1.1% YoY+1.3% QoQ
|
+$17.9M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$26.8M
+5.5% YoY+0.2% QoQ
|
+$11.5M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$44.1M
+1.8% YoY+1.4% QoQ
|
+$18.3M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
78% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.1%
-142.3% YoY-137.3% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
4.0%
+8.4% YoY+5.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
96.8%
+3.5% YoY+3.2% QoQ
|
+6.2% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
1.4%
-55.4% YoY-57.6% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
60.8%
+3.6% YoY-1.2% QoQ
|
+2.3% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$20,648
+10.2% YoY+1.3% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
20.2%
+3.0% YoY+2.0% QoQ
|
-4.1% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.5% | 7.7% | 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)