BlastPoint's Credit Union Scorecard

R G

Charter #11962 · MO

1069 CUs in 100M-500M nationally 24 in MO

R G has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 53.6% in tier
+ Organic Growth Engine: Top 71.7% in tier
+ Emerging Performer: Top 85.1% in tier
+ Relationship Depth Leader: Top 85.8% in tier
+ Net Interest Margin 0.66% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 81.0% in tier
- ROA 0.04% below tier average
- Members Per Employee (MPE): Bottom 6.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	7,997 +2.4% YoY+0.8% QoQ	-7.4K	15,437 -2.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	17%
Assets	$143.3M +6.5% YoY+1.1% QoQ	$-88.5M	$231.9M +1.3% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	27%
Loans	$108.8M +7.1% YoY+2.7% QoQ	$-38.5M	$147.3M -0.1% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	40%
Deposits	$123.7M +2.8% YoY-2.1% QoQ	$-77.1M	$200.8M +0.8% YoY	$185.2M +10.6% YoY	$477.3M +9.7% YoY	28%

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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	0.7% +12.8% YoY-21.2% QoQ	-0.0%	0.8% +18.2% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	47%
NIM	4.3% +6.5% YoY+1.2% QoQ	+0.7%	3.6% +6.7% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	84%
Efficiency Ratio	76.7% -5.3% YoY+1.5% QoQ	-0.4%	77.0% -3.1% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	49%
Delinquency Rate	0.8% -1.1% YoY+60.3% QoQ	-0.1	0.9% +4.2% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	54%
Loan To Share	88.0% +4.2% YoY+4.9% QoQ	+15.7%	72.2% -1.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	81%
AMR	$29,076 +2.3% YoY-0.6% QoQ	+$4K	$24,676 +3.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	79%
CD Concentration	24.2% +24.5% YoY+3.7% QoQ	-0.3%	24.4%	18.2%	19.8%	50%
Indirect Auto %	17.6% -7.5% YoY+4.8% QoQ	+3.8%	13.8%	10.0%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#229 of 426 • Top 53.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.39%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 17.55%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#427 of 595 • Top 71.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.39%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.73%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 17.55%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#155 of 182 • Top 85.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.73%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 2.39%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Relationship Depth Leader

growth

#230 of 268 • Top 85.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.33%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.8K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#410 of 506 • Bottom 81.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.54%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 17.55%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.39%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (5 metrics)

170

Loan-to-Member Ratio (LMR)

engagement

Value: $13,608

Peer Median: -

#170 of 1069 Top 15.8% in 100M-500M tier

173

Net Interest Margin (NIM)

profitability

Value: 4.26%

Peer Median: -

#173 of 1069 Top 16.1% in 100M-500M tier

202

Loan-to-Share Ratio

balance_sheet

Value: 87.97%

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

223

Average Member Relationship (AMR)

engagement

Value: $29,076

Peer Median: -

#223 of 1069 Top 20.8% in 100M-500M tier

257

Member Growth Rate

growth

Value: 2.39%

Peer Median: -

#257 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (2 metrics)

998

Members Per Employee (MPE)

engagement

Value: 210.447

Peer Median: -

#998 of 1069 Bottom 6.7% in 100M-500M tier

886

Total Members

engagement

Value: 7,997

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier