BlastPoint's Credit Union Scorecard
WEDEVELOPMENT
Charter #24937 · MO
2556 CUs in <100M nationally
60 in MO
WEDEVELOPMENT has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 65.6% YoY
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 2.7% in tier
- + Fee Income Per Member: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 11.28% below tier average
- - Efficiency ratio 103.90% above tier (higher cost structure)
- - Delinquency rate 23.46% above tier average
- - Net Worth Ratio: Bottom 0.3% in tier
- - AMR Growth Rate: Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 7.7% in tier
- - Indirect Auto Concentration (%): Bottom 9.3% in tier
- - Average Member Relationship (AMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
828
+65.6% YoY+18.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$2.9M
-7.7% YoY+3.8% QoQ
|
$-27.2M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.5% in tier |
| Loans |
$1.6M
+23.2% YoY-1.5% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 15.0% in tier |
| Deposits |
$2.8M
+4.4% YoY+3.6% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.8% in tier |
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| ROA |
-10.7%
-1.1% YoY-31.6% QoQ
|
-11.3% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.4% in tier |
| NIM |
4.1%
+16.2% YoY-8.3% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
186.5%
+70.3% YoY-30.4% QoQ
|
+103.9% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 1.3% in tier |
| Delinquency Rate |
25.0%
+95.6% YoY+19.5% QoQ
|
+23.5 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.9% in tier |
| Loan To Share |
55.9%
+18.0% YoY-4.9% QoQ
|
-4.7% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$5,274
-33.3% YoY-14.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.9% in tier |
| CD Concentration |
26.7%
-2.5% YoY-2.5% QoQ
|
+2.3% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
9.5%
-26.6% QoQ
|
-4.3% | 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 (4 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
7
Member Growth Rate
growth
Value:
65.60%
Peer Median: -
#7 of 2556
Top 0.2% in <100M tier
69
Loan Growth Rate
growth
Value:
23.25%
Peer Median: -
#69 of 2556
Top 2.7% in <100M tier
137
Fee Income Per Member
profitability
Value:
$215.24
Peer Median: -
#137 of 2556
Top 5.3% in <100M tier
Top Weaknesses (15 metrics)
2550
Net Worth Ratio
risk
Value:
3.73%
Peer Median: -
#2550 of 2556
Bottom 0.3% in <100M tier
2547
Return on Assets (ROA)
profitability
Value:
-10.65%
Peer Median: -
#2547 of 2556
Bottom 0.4% in <100M tier
2534
AMR Growth Rate
growth
Value:
-33.30%
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2533
Total Delinquency Rate (60+ days)
risk
Value:
25.02%
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2525
Efficiency Ratio
profitability
Value:
186.46%
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2483
Net Charge-Off Rate
risk
Value:
3.35%
Peer Median: -
#2483 of 2556
Bottom 2.9% in <100M tier
2359
Asset Growth Rate
growth
Value:
-7.73%
Peer Median: -
#2359 of 2556
Bottom 7.7% in <100M tier
2320
Indirect Auto Concentration (%)
balance_sheet
Value:
9.52%
Peer Median: -
#2320 of 2556
Bottom 9.3% in <100M tier
2303
Average Member Relationship (AMR)
engagement
Value:
$5,274
Peer Median: -
#2303 of 2556
Bottom 9.9% in <100M tier
2251
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,891
Peer Median: -
#2251 of 2556
Bottom 12.0% in <100M tier