BlastPoint's Credit Union Scorecard
MULTIPLI
Charter #24955 · MO
MULTIPLI has 5 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does MO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 12.1% in tier
- + Emerging Performer: Top 12.5% in tier
- + ROA 0.57% above tier average
- + Net Interest Margin 0.07% above tier average
- + Loan Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 28.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Missouri.
- Shares and deposits +8.4% year over year ($1.29B in shares and deposits).
- Membership: 77,048 members, +2.2% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 1.39%.
- Efficiency ratio 67.34% vs a 73.02% peer average.
- Loan-to-share ratio 78.50% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,048
+2.2% YoY+1.8% QoQ
|
-19.8K |
96,861
-1.9% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$1.5B
+7.7% YoY+2.4% QoQ
|
$-255.1M |
$1.7B
+0.4% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$1.0B
+15.4% YoY+9.5% QoQ
|
$-218.3M |
$1.2B
+0.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
39% |
| Deposits |
$1.3B
+8.4% YoY+2.2% QoQ
|
$-169.2M |
$1.5B
+0.5% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
49% |
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| ROA |
1.4%
+28.4% YoY+8.0% QoQ
|
+0.6% |
0.8%
+27.6% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Top 11.3% in tier |
| NIM |
3.5%
-4.3% YoY+1.0% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
67.3%
-5.5% YoY-2.2% QoQ
|
-5.7% |
73.0%
-2.7% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.3%
-37.5% YoY-7.6% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Top 11.0% in tier |
| Loan To Share |
78.5%
+6.4% YoY+7.1% QoQ
|
-6.2% |
84.7%
+0.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$29,981
+8.9% YoY+3.4% QoQ
|
+$406 |
$29,575
+1.5% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
31.6%
+4.3% YoY+1.0% QoQ
|
+2.5% | 29.1% | 18.3% | 20.0% | 64% |
| Indirect Auto % |
31.9%
-9.7% YoY-3.0% QoQ
|
+13.8% | 18.1% | 9.9% | 7.7% | 80% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)