WEST SIDE BAPTIST CHURCH

Charter #21683 | MO

<100M (2596 CUs) Micro
60 <100M in MO

WEST SIDE BAPTIST CHURCH has 8 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.57% above tier average
  • + Net Interest Margin 0.27% 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 7.4% in tier
  • + Member Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Net Charge-Off Rate: Bottom 0.8% in tier
  • - Average Member Relationship (AMR): Bottom 1.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
  • - Total Loans: Bottom 1.9% in tier
  • - Loan-to-Share Ratio: Bottom 2.2% in tier
  • - Total Assets: Bottom 2.4% in tier
  • - Total Deposits: Bottom 2.7% in tier
  • - AMR Growth Rate: Bottom 4.1% in tier
  • - Deposit Growth Rate: Bottom 6.7% in tier
  • - Fee Income Per Member: Bottom 8.1% in tier
  • - Total Members: Bottom 9.1% in tier
  • - Asset Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 336
+4.0% YoY+0.3% QoQ
 -2.3K 2,625
-2.2% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Bottom 9.0% in tier
Assets $383,986
-7.1% YoY-0.7% QoQ
 $-29.5M $29.9M
+1.1% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 2.3% in tier
Loans $35,754
-11.6% YoY+5.4% QoQ
 $-15.7M $15.8M
-2.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 Bottom 1.9% in tier
Deposits $324,149
-10.7% YoY-1.3% QoQ
 $-25.1M $25.5M
+0.4% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Bottom 2.6% in tier
ROA 1.3%
+21.9% YoY-40.0% QoQ
 +0.6% 0.7%
-731.4% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 4.2%
+56.0% YoY-8.5% QoQ
 +0.3% 3.9%
+3.8% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 52.1%
-20.6% YoY+1.5% QoQ
 -29.3% 81.4%
-2.4% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 Bottom 7.4% in tier
Delinquency Rate 0.0%
-100.0% QoQ
 -1.5 1.5%
-2.0% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 11.0%
-1.0% YoY+6.8% QoQ
 -50.2% 61.2%
-3.0% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 Bottom 2.0% in tier
AMR $1,071
-14.2% YoY-1.0% QoQ
 $-14K $14,627
-2.7% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 Bottom 1.2% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (6 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 1.51%
#1 of 2596 Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
193
Efficiency Ratio
profitability
Value: 52.13%
Peer Avg: 81.39%
#193 of 2596 Top 7.4% in <100M tier
220
Member Growth Rate
growth
Value: 4.02%
Peer Avg: 14.92%
#220 of 2596 Top 8.4% in <100M tier

Top Weaknesses (14 metrics)

2596
Members Per Employee (MPE)
engagement
Value: -
Peer Avg: 365.701
#2596 of 2596 Bottom 0.0% in <100M tier
2576
Net Charge-Off Rate
risk
Value: 9.09%
Peer Avg: 0.57%
#2576 of 2596 Bottom 0.8% in <100M tier
2564
Average Member Relationship (AMR)
engagement
Value: $1,071
Peer Avg: $14,627
#2564 of 2596 Bottom 1.3% in <100M tier
2561
Loan-to-Member Ratio (LMR)
engagement
Value: $106.41
Peer Avg: $5,488
#2561 of 2596 Bottom 1.4% in <100M tier
2547
Total Loans
balance_sheet
Value: $35,754
Peer Avg: $15.77M
#2547 of 2596 Bottom 1.9% in <100M tier
2540
Loan-to-Share Ratio
balance_sheet
Value: 11.03%
Peer Avg: 61.23%
#2540 of 2596 Bottom 2.2% in <100M tier
2535
Total Assets
balance_sheet
Value: $383,986
Peer Avg: $29.86M
#2535 of 2596 Bottom 2.4% in <100M tier
2528
Total Deposits
balance_sheet
Value: $324,149
Peer Avg: $25.45M
#2528 of 2596 Bottom 2.7% in <100M tier
2490
AMR Growth Rate
growth
Value: -14.21%
Peer Avg: 4.67%
#2490 of 2596 Bottom 4.1% in <100M tier
2424
Deposit Growth Rate
growth
Value: -10.66%
Peer Avg: 16.80%
#2424 of 2596 Bottom 6.7% in <100M tier