BlastPoint's Credit Union Scorecard
R G
Charter #11962 · MO
R G has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Interest Margin 0.44% above tier average
- + Loan Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 11.83% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 5.3% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
- Shares and deposits -0.2% year over year ($128M in shares and deposits).
- Membership: 8,197 members, +4.5% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 0.18%.
- Efficiency ratio 88.56% vs a 76.73% peer average.
- Loan-to-share ratio 92.47% vs a 71.54% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,197
+4.5% YoY+1.4% QoQ
|
-7.0K |
15,168
-2.6% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$153.6M
+7.3% YoY+4.7% QoQ
|
$-78.4M |
$232.0M
+0.7% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$118.4M
+13.1% YoY+5.7% QoQ
|
$-27.9M |
$146.3M
+0.2% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$128.1M
-0.2% YoY+2.0% QoQ
|
$-72.7M |
$200.7M
+0.2% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.2%
-82.4% YoY+24.2% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.6% in tier |
| NIM |
4.1%
-0.9% YoY-2.4% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
88.6%
+21.2% YoY-1.4% QoQ
|
+11.8% |
76.7%
-0.8% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate |
0.6%
-11.8% YoY-9.7% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
92.5%
+13.3% YoY+3.6% QoQ
|
+20.9% |
71.5%
-0.3% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Top 10.4% in tier |
| AMR |
$30,067
+1.2% YoY+2.3% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
23.2%
+1.7% YoY-4.0% QoQ
|
-1.4% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
19.3%
+9.5% YoY+4.5% QoQ
|
+5.7% | 13.6% | 9.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)