BlastPoint's Credit Union Scorecard
WEST SIDE BAPTIST CHURCH
Charter #21683 · MO
<100M
2508 CUs in <100M nationally
59 in MO
WEST SIDE BAPTIST CHURCH has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.07% above tier average
- + Net Interest Margin 13.97% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Total Loans: Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Total Assets: Bottom 2.4% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Total Members: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
332
-0.9% YoY+1.2% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Bottom 8.5% in tier |
| Assets |
$387,990
+4.6% YoY+2.4% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.4% in tier |
| Loans |
$30,823
-15.4% YoY-10.5% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.6% in tier |
| Deposits |
$326,711
+2.9% YoY+2.7% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.6% in tier |
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| ROA |
5.2%
+149.2% YoY+342.0% QoQ
|
+5.1% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
Top 0.6% in tier |
| NIM |
18.0%
+288.5% YoY+369.4% QoQ
|
+14.0% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
58.7%
+4.3% YoY+10.8% QoQ
|
-32.0% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
Top 10.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
9.4%
-17.8% YoY-12.8% QoQ
|
-49.1% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.9% in tier |
| AMR |
$1,077
+1.9% YoY+0.2% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
4
Net Interest Margin (NIM)
profitability
Value:
17.97%
Peer Median: 3.83%
#4 of 2508
Top 0.1% in <100M tier
4
Net Charge-Off Rate
risk
Value:
-4.93%
Peer Median: 0.07%
#4 of 2508
Top 0.1% in <100M tier
14
Return on Assets (ROA)
profitability
Value:
5.21%
Peer Median: 0.61%
#14 of 2508
Top 0.5% in <100M tier
267
Efficiency Ratio
profitability
Value:
58.67%
Peer Median: 81.45%
#267 of 2508
Top 10.6% in <100M tier
Top Weaknesses (10 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2477
Average Member Relationship (AMR)
engagement
Value:
$1,077
Peer Median: $13,926
#2477 of 2508
Bottom 1.3% in <100M tier
2476
Loan-to-Member Ratio (LMR)
engagement
Value:
$92.84
Peer Median: $4,923
#2476 of 2508
Bottom 1.3% in <100M tier
2468
Total Loans
balance_sheet
Value:
$30,823
Peer Median: $9.48M
#2468 of 2508
Bottom 1.6% in <100M tier
2459
Loan-to-Share Ratio
balance_sheet
Value:
9.43%
Peer Median: 58.72%
#2459 of 2508
Bottom 2.0% in <100M tier
2448
Total Assets
balance_sheet
Value:
$387,990
Peer Median: $21.86M
#2448 of 2508
Bottom 2.4% in <100M tier
2444
Total Deposits
balance_sheet
Value:
$326,711
Peer Median: $18.77M
#2444 of 2508
Bottom 2.6% in <100M tier
2294
Total Members
engagement
Value:
332
Peer Median: 1,918
#2294 of 2508
Bottom 8.6% in <100M tier
2228
Loan Growth Rate
growth
Value:
-15.44%
Peer Median: -2.36%
#2228 of 2508
Bottom 11.2% in <100M tier
2093
Fee Income Per Member
profitability
Value:
$6.58
Peer Median: $60.42
#2093 of 2508
Bottom 16.6% in <100M tier