BlastPoint's Credit Union Scorecard
WEST SIDE BAPTIST CHURCH
Charter #21683 · MO
2556 CUs in <100M nationally
60 in MO
WEST SIDE BAPTIST CHURCH has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.7% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Total Loans: Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Total Assets: Bottom 2.3% in tier
- - Total Deposits: Bottom 2.5% in tier
- - Fee Income Per Member: Bottom 7.2% in tier
- - Loan Growth Rate: Bottom 7.5% in tier
- - Total Members: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
328
-5.7% YoY-2.4% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Bottom 8.6% in tier |
| Assets |
$378,986
-4.9% YoY-1.3% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.3% in tier |
| Loans |
$34,423
-17.8% YoY-3.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.8% in tier |
| Deposits |
$318,263
-7.9% YoY-1.8% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.5% in tier |
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| ROA |
1.2%
-16.2% YoY-5.7% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
3.8%
+23.5% YoY-8.8% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
53.0%
-9.3% YoY+1.6% QoQ
|
-29.6% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
10.8%
-10.7% YoY-1.9% QoQ
|
-49.8% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.9% in tier |
| AMR |
$1,075
-3.4% YoY+0.4% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 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 (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
156
Efficiency Ratio
profitability
Value:
52.96%
Peer Median: -
#156 of 2556
Top 6.1% in <100M tier
Top Weaknesses (15 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2525
Average Member Relationship (AMR)
engagement
Value:
$1,075
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2524
Net Charge-Off Rate
risk
Value:
6.49%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2524
Loan-to-Member Ratio (LMR)
engagement
Value:
$104.95
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2509
Total Loans
balance_sheet
Value:
$34,423
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier
2505
Loan-to-Share Ratio
balance_sheet
Value:
10.82%
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2497
Total Assets
balance_sheet
Value:
$378,986
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2493
Total Deposits
balance_sheet
Value:
$318,263
Peer Median: -
#2493 of 2556
Bottom 2.5% in <100M tier
2374
Fee Income Per Member
profitability
Value:
$1.15
Peer Median: -
#2374 of 2556
Bottom 7.2% in <100M tier
2365
Loan Growth Rate
growth
Value:
-17.78%
Peer Median: -
#2365 of 2556
Bottom 7.5% in <100M tier