BlastPoint's Credit Union Scorecard

ALLTRU

Charter #24774 · MO

1069 CUs in 100M-500M nationally 24 in MO

ALLTRU has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?
MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 48.6% in tier
  • + Organic Growth Engine: Top 67.3% in tier
  • + ROA 0.27% above tier average
  • + Net Interest Margin 2.05% above tier average
  • + Total Members: Top 1.4% in tier
  • + Deposit Growth Rate: Top 4.2% in tier
  • + Total Loans: Top 4.2% in tier
  • + Total Deposits: Top 9.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.2% in tier
  • - Credit Quality Pressure: Bottom 25.7% in tier
  • - Credit Risk Growth: Bottom 28.8% in tier
  • - Delinquency rate 1.02% above tier average
  • - Indirect Auto Concentration (%): Bottom 1.8% in tier
  • - Net Charge-Off Rate: Bottom 3.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.2% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 40,729
+2.1% YoY+0.1% QoQ
 +25.3K 15,437
-2.9% YoY
 15,911
+2.9% YoY
 33,374
+5.7% YoY
 Top 1.5% in tier
Assets $392.5M
+9.2% YoY+2.6% QoQ
 +$160.7M $231.9M
+1.3% YoY
 $212.3M
+9.5% YoY
 $561.6M
+9.7% YoY
 Top 12.3% in tier
Loans $317.2M
+5.6% YoY+0.9% QoQ
 +$169.9M $147.3M
-0.1% YoY
 $149.4M
+8.7% YoY
 $397.0M
+8.8% YoY
 Top 4.3% in tier
Deposits $355.5M
+14.4% YoY+3.2% QoQ
 +$154.7M $200.8M
+0.8% YoY
 $185.2M
+10.6% YoY
 $477.3M
+9.7% YoY
 Top 9.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.0%
+240.8% YoY-16.2% QoQ
 +0.3% 0.8%
+18.2% YoY
 0.7%
+53.7% YoY
 0.7%
+15.9% YoY
 70%
NIM 5.7%
+7.5% YoY-0.4% QoQ
 +2.0% 3.6%
+6.7% YoY
 3.8%
+3.0% YoY
 3.8%
+5.1% YoY
 Top 0.5% in tier
Efficiency Ratio 64.3%
-15.8% YoY-0.7% QoQ
 -12.8% 77.0%
-3.1% YoY
 77.6%
-5.0% YoY
 79.7%
-3.3% YoY
 Bottom 13.3% in tier
Delinquency Rate 1.9%
+24.7% YoY+17.6% QoQ
 +1.0 0.9%
+4.2% YoY
 1.3%
+20.7% YoY
 1.3%
-2.1% YoY
 Top 8.2% in tier
Loan To Share 89.2%
-7.8% YoY-2.2% QoQ
 +17.0% 72.2%
-1.1% YoY
 71.1%
-4.0% YoY
 67.4%
-1.7% YoY
 84%
AMR $16,517
+7.8% YoY+2.1% QoQ
 $-8K $24,676
+3.4% YoY
 $16,896
+3.0% YoY
 $19,687
+2.0% YoY
 Bottom 14.8% in tier
CD Concentration 28.4%
+15.4% YoY-3.2% QoQ
 +3.9% 24.4% 18.2% 19.8% 50%
Indirect Auto % 61.5%
-0.3% YoY-0.2% QoQ
 +47.7% 13.8% 10.0% 7.8% 50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#250 of 513 • Top 48.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.80%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth
#401 of 595 • Top 67.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.12%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.03%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 61.46%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#17 of 506 • Bottom 3.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.18%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 61.46%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 2.12%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk
#182 of 705 • Bottom 25.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.38% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk
#132 of 456 • Bottom 28.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.58%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.38% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (12 metrics)

5
Net Interest Margin (NIM)
profitability
Value: 5.65%
Peer Median: -
#5 of 1069 Top 0.4% in 100M-500M tier
16
Total Members
engagement
Value: 40,729
Peer Median: -
#16 of 1069 Top 1.4% in 100M-500M tier
46
Deposit Growth Rate
growth
Value: 14.45%
Peer Median: -
#46 of 1069 Top 4.2% in 100M-500M tier
46
Total Loans
balance_sheet
Value: $317.21M
Peer Median: -
#46 of 1069 Top 4.2% in 100M-500M tier
100
Total Deposits
balance_sheet
Value: $355.52M
Peer Median: -
#100 of 1069 Top 9.3% in 100M-500M tier
111
First Mortgage Concentration (%)
balance_sheet
Value: 8.34%
Peer Median: -
#111 of 1069 Top 10.3% in 100M-500M tier
132
Total Assets
balance_sheet
Value: $392.54M
Peer Median: -
#132 of 1069 Top 12.3% in 100M-500M tier
143
Efficiency Ratio
profitability
Value: 64.26%
Peer Median: -
#143 of 1069 Top 13.3% in 100M-500M tier
172
Loan-to-Share Ratio
balance_sheet
Value: 89.22%
Peer Median: -
#172 of 1069 Top 16.0% in 100M-500M tier
177
Asset Growth Rate
growth
Value: 9.18%
Peer Median: -
#177 of 1069 Top 16.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1051
Indirect Auto Concentration (%)
balance_sheet
Value: 61.46%
Peer Median: -
#1051 of 1069 Bottom 1.8% in 100M-500M tier
1032
Net Charge-Off Rate
risk
Value: 1.66%
Peer Median: -
#1032 of 1069 Bottom 3.6% in 100M-500M tier
982
Total Delinquency Rate (60+ days)
risk
Value: 1.91%
Peer Median: -
#982 of 1069 Bottom 8.2% in 100M-500M tier
911
Average Member Relationship (AMR)
engagement
Value: $16,517
Peer Median: -
#911 of 1069 Bottom 14.9% in 100M-500M tier
849
Net Worth Ratio
risk
Value: 9.52%
Peer Median: -
#849 of 1069 Bottom 20.7% in 100M-500M tier
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