BlastPoint's Credit Union Scorecard
EMPLOYEES
Charter #9715 · OK
EMPLOYEES has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.5% in tier
- + Fee Income Per Member: Top 6.6% in tier
- + Loan Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 13.47% above tier (higher cost structure)
- - Delinquency rate 1.70% above tier average
- - Member decline: -15.9% YoY
- - Member Growth Rate: Bottom 2.7% in tier
- - Net Worth Ratio: Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,496
-15.9% YoY-1.5% QoQ
|
+870 |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$47.7M
+4.1% YoY+0.6% QoQ
|
+$17.8M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$26.9M
+12.2% YoY+2.1% QoQ
|
+$11.2M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$43.6M
+2.0% YoY+0.6% QoQ
|
+$18.1M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
0.1%
+2093.7% YoY-27.2% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
3.7%
+12.3% YoY+1.5% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
94.9%
-3.2% YoY+1.3% QoQ
|
+13.5% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
3.2%
-42.4% YoY-10.0% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Top 10.9% in tier |
| Loan To Share |
61.8%
+10.0% YoY+1.5% QoQ
|
+0.5% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$20,173
+25.6% YoY+2.7% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
19.8%
+3.5% YoY-0.3% QoQ
|
-4.6% |
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 (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)