BlastPoint's Credit Union Scorecard
WEST SIDE BAPTIST CHURCH
Charter #21683 · MO
WEST SIDE BAPTIST CHURCH has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.1% in tier
- - Average Member Relationship (AMR): Bottom 1.1% in tier
- - Total Loans: Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 1.6% in tier
- - Total Assets: Bottom 2.3% in tier
- - Total Deposits: Bottom 2.6% 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 58 that size in Missouri.
- Shares and deposits +2.5% year over year ($337K in shares and deposits).
- Membership: 331 members, -1.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.92%.
- Efficiency ratio 67.06% vs a 88.77% peer average.
- Loan-to-share ratio 7.84% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
331
-1.2% YoY-0.3% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Bottom 8.7% in tier |
| Assets |
$398,915
+3.2% YoY+2.8% QoQ
|
$-29.9M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.3% in tier |
| Loans |
$26,402
-22.2% YoY-14.3% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.4% in tier |
| Deposits |
$336,807
+2.5% YoY+3.1% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.5% in tier |
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| ROA |
0.9%
-56.0% YoY-82.4% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
3.0%
-35.0% YoY-83.4% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
67.1%
+30.6% YoY+14.3% QoQ
|
-21.7% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
7.8%
-24.1% YoY-16.9% QoQ
|
-51.1% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.5% in tier |
| AMR |
$1,097
+1.4% YoY+1.9% QoQ
|
$-14K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.1% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 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)