BlastPoint's Credit Union Scorecard

ALLTRU

Charter #24774 · MO

1077 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

+ Organic Growth Engine: Top 20.0% in tier
+ Wallet Share Momentum: Top 59.8% in tier
+ Profitability Leader: Top 77.9% in tier
+ ROA 0.44% above tier average
+ Net Interest Margin 2.09% above tier average
+ Total Members: Top 1.4% in tier
+ Total Loans: Top 4.6% in tier
+ Deposit Growth Rate: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 2.2% in tier
- Credit Quality Pressure: Bottom 10.4% in tier
- Credit Risk Growth: Bottom 13.0% in tier
- Liquidity Strain: Bottom 27.8% in tier
- Delinquency rate 0.77% above tier average
- Indirect Auto Concentration (%): Bottom 1.9% in tier
- Net Charge-Off Rate: Bottom 2.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	40,706 +2.1% YoY+1.3% QoQ	+25.1K	15,628 -3.4% YoY	15,920 +4.0% YoY	33,089 +6.1% YoY	Top 1.5% in tier
Assets	$382.8M +6.5% YoY+2.2% QoQ	+$151.5M	$231.3M -0.0% YoY	$210.9M +9.4% YoY	$547.7M +7.8% YoY	Top 13.5% in tier
Loans	$314.3M +5.0% YoY+2.6% QoQ	+$166.5M	$147.8M -1.4% YoY	$147.8M +9.0% YoY	$388.7M +8.6% YoY	Top 4.7% in tier
Deposits	$344.3M +13.1% YoY+1.1% QoQ	+$144.0M	$200.3M -0.0% YoY	$183.9M +12.2% YoY	$464.6M +9.3% YoY	Top 11.0% 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	1.2% +432.9% YoY+908.3% QoQ	+0.4%	0.8% +15.5% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	79%
NIM	5.7% +9.3% YoY-0.4% QoQ	+2.1%	3.6% +6.9% YoY	3.8% +3.2% YoY	3.7% +5.0% YoY	Top 0.5% in tier
Efficiency Ratio	64.7% -16.5% YoY-15.1% QoQ	-12.6%	77.3% -3.0% YoY	78.5% -6.5% YoY	79.1% -3.3% YoY	Bottom 14.9% in tier
Delinquency Rate	1.6% +23.3% YoY+16.3% QoQ	+0.8	0.9% +7.6% YoY	1.2% +9.9% YoY	1.2% -0.9% YoY	Top 11.9% in tier
Loan To Share	91.3% -7.2% YoY+1.4% QoQ	+18.6%	72.7% -1.5% YoY	72.3% -3.7% YoY	68.0% -1.7% YoY	Top 13.5% in tier
AMR	$16,180 +6.8% YoY+0.5% QoQ	$-8K	$24,363 +2.9% YoY	$16,810 +3.4% YoY	$19,418 +1.3% YoY	Bottom 14.3% in tier
CD Concentration	29.3% +26.2% YoY+7.9% QoQ	+4.9%	24.4% +4.2% YoY	18.1% +9.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	61.6% +1.0% YoY-0.2% QoQ	+47.6%	14.0% -5.7% YoY	10.3% -9.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#368 of 603 • Top 20.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.10%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.23%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 61.60%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth

#288 of 481 • Top 59.8% in tier

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

Why This Signature

AMR Growth (YoY): 6.85%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Profitability Leader

growth

#265 of 340 • Top 77.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.23%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 1.00% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#36 of 525 • Bottom 2.2% in tier

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

Why This Signature

Asset Growth (YoY): 6.48%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 61.60%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.10%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#259 of 736 • Bottom 10.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#195 of 446 • Bottom 13.0% in tier

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

Why This Signature

Loan Growth (YoY): 5.01%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Liquidity Strain

risk

#216 of 258 • Bottom 27.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.27%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.01%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (12 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.68%

Peer Avg: -

#5 of 1077 Top 0.4% in 100M-500M tier

Total Members

engagement

Value: 40,706

Peer Avg: -

#16 of 1077 Top 1.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $314.28M

Peer Avg: -

#51 of 1077 Top 4.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.11%

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

110

First Mortgage Concentration (%)

balance_sheet

Value: 7.80%

Peer Avg: -

#110 of 1077 Top 10.1% in 100M-500M tier

118

Total Deposits

balance_sheet

Value: $344.33M

Peer Avg: -

#118 of 1077 Top 10.9% in 100M-500M tier

123

Fee Income Per Member

profitability

Value: $257.41

Peer Avg: -

#123 of 1077 Top 11.3% in 100M-500M tier

145

Loan-to-Share Ratio

balance_sheet

Value: 91.27%

Peer Avg: -

#145 of 1077 Top 13.4% in 100M-500M tier

145

Total Assets

balance_sheet

Value: $382.78M

Peer Avg: -

#145 of 1077 Top 13.4% in 100M-500M tier

161

Efficiency Ratio

profitability

Value: 64.72%

Peer Avg: -

#161 of 1077 Top 14.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1057

Indirect Auto Concentration (%)

balance_sheet

Value: 61.60%

Peer Avg: -

#1057 of 1077 Bottom 1.9% in 100M-500M tier

1050

Net Charge-Off Rate

risk

Value: 1.67%

Peer Avg: -

#1050 of 1077 Bottom 2.6% in 100M-500M tier

950

Total Delinquency Rate (60+ days)

risk

Value: 1.63%

Peer Avg: -

#950 of 1077 Bottom 11.9% in 100M-500M tier

923

Average Member Relationship (AMR)

engagement

Value: $16,180

Peer Avg: -

#923 of 1077 Bottom 14.4% in 100M-500M tier

824

Net Worth Ratio

risk

Value: 9.75%

Peer Avg: -

#824 of 1077 Bottom 23.6% in 100M-500M tier