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
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 11.31% above tier (higher cost structure)
- - Delinquency rate 1.79% above tier average
- - Net Worth Ratio: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,448
-0.4% YoY-1.4% QoQ
|
+832 |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$47.5M
+2.3% YoY-0.5% QoQ
|
+$17.3M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$26.8M
+6.8% YoY-0.6% QoQ
|
+$11.0M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$43.5M
+3.7% YoY-0.2% QoQ
|
+$17.8M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.2%
+481.4% YoY+40.7% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.8%
+8.7% YoY+3.0% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
93.9%
-3.4% YoY-1.1% QoQ
|
+11.3% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
3.3%
-20.0% YoY+4.2% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Top 11.3% in tier |
| Loan To Share |
61.5%
+3.1% YoY-0.4% QoQ
|
+0.9% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$20,374
+5.3% YoY+1.0% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
19.8%
+0.5% YoY+0.2% QoQ
|
-4.6% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 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)