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
- + Net Interest Margin 0.29% above tier average
- + Fee Income Per Member: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.24% below tier average
- - Efficiency ratio 4.93% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Net Worth Ratio: Bottom 6.6% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits -1.6% year over year ($42.6M in shares and deposits).
- Membership: 3,397 members, -4.3% vs a year ago.
- Delinquency rate 0.98%.
- Return on assets 0.25%.
- Efficiency ratio 93.69% vs a 88.77% peer average.
- Loan-to-share ratio 65.83% vs a 58.89% 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 |
3,397
-4.3% YoY-1.1% QoQ
|
+811 |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$46.8M
-1.3% YoY-2.7% QoQ
|
+$16.5M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$28.1M
+6.4% YoY+4.7% QoQ
|
+$12.6M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$42.6M
-1.6% YoY-3.4% QoQ
|
+$16.8M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
0.2%
+23.7% YoY-423.8% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
4.2%
+15.5% YoY+4.8% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
93.7%
+0.1% YoY-3.2% QoQ
|
+4.9% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
1.0%
-72.6% YoY-31.1% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
65.8%
+8.1% YoY+8.3% QoQ
|
+6.9% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$20,803
+5.9% YoY+0.7% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
20.4%
+2.6% YoY+0.8% QoQ
|
-4.2% | 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 (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)