BlastPoint's Credit Union Scorecard

MULTIPLI

Charter #24955 · MO

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 3 in MO

View Mid-Market leaderboard →

MULTIPLI has 8 strengths but faces 1 concern

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 13.3% in tier
+ Wallet Share Momentum: Top 27.4% in tier
+ ROA 0.57% above tier average
+ Net Interest Margin 0.11% above tier average
+ Strong member growth: 74.3% YoY
+ Asset Growth Rate: Top 0.1% in tier
+ Loan Growth Rate: Top 0.1% in tier
+ Deposit Growth Rate: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 0.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	75,658 +74.3% YoY+0.4% QoQ	-20.4K	96,048 -2.7% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	38%
Assets	$1.4B +93.6% YoY+3.0% QoQ	$-284.9M	$1.7B +0.4% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	39%
Loans	$928.1M +71.2% YoY+0.8% QoQ	$-285.6M	$1.2B +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	30%
Deposits	$1.3B +94.6% YoY+3.4% QoQ	$-198.9M	$1.5B +0.5% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	47%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% +31.5% YoY+24.1% QoQ	+0.6%	0.7% +27.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	Top 12.7% in tier
NIM	3.5% -5.0% YoY+8.2% QoQ	+0.1%	3.4% +6.2% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	68.8% -6.3% YoY-1.3% QoQ	-5.8%	74.6% -3.0% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.3% -51.4% YoY-35.5% QoQ	-0.4	0.8% +6.9% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	20%
Loan To Share	73.3% -12.1% YoY-2.4% QoQ	-9.9%	83.2% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	20%
AMR	$29,009 +5.6% YoY+1.9% QoQ	$-643	$29,652 +2.3% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	54%
CD Concentration	31.3% -22.9% YoY+1.2% QoQ	+2.5%	28.8%	18.1%	19.8%	63%
Indirect Auto %	32.9% +38.7% YoY-0.5% QoQ	+14.8%	18.1%	9.8%	7.7%	80%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#4 of 79 • Top 13.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.29%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 74.26%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Wallet Share Momentum

growth

#104 of 125 • Top 27.4% in tier

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

Why This Signature

AMR Growth (YoY): 5.57%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#42 of 198 • Bottom 0.5% in tier

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

Why This Signature

Asset Growth (YoY): 93.58%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 32.88%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 74.26%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (6 metrics)

Asset Growth Rate

growth

Value: 93.58%

Peer Median: 4.82%

#1 of 306 Top 0.1% in 1B-3B tier

Loan Growth Rate

growth

Value: 71.16%

Peer Median: 5.67%

#1 of 306 Top 0.1% in 1B-3B tier

Deposit Growth Rate

growth

Value: 94.65%

Peer Median: 4.44%

#1 of 306 Top 0.1% in 1B-3B tier

Member Growth Rate

growth

Value: 74.26%

Peer Median: 2.03%

#2 of 306 Top 0.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.29%

Peer Median: 0.66%

#39 of 306 Top 12.4% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.63%

#61 of 306 Top 19.6% in 1B-3B tier

Top Weaknesses (2 metrics)

250

Indirect Auto Concentration (%)

balance_sheet

Value: 32.88%

Peer Median: 13.86%

#250 of 306 Bottom 18.6% in 1B-3B tier

244

Loan-to-Share Ratio

balance_sheet

Value: 73.28%

Peer Median: 85.31%

#244 of 306 Bottom 20.6% in 1B-3B tier