BlastPoint's Credit Union Scorecard
MULTIPLI
Charter #24955 · MO
MULTIPLI has 8 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
- + Emerging Performer: Top 4.0% in tier
- + Organic Growth Engine: Top 6.1% in tier
- + ROA 0.35% above tier average
- + Strong member growth: 77.0% YoY
- + Asset Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.0% in tier
- + Member Growth Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 20.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,379
+77.0% YoY-0.3% QoQ
|
-22.1K |
97,431
-2.4% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$1.4B
+94.6% YoY+0.5% QoQ
|
$-329.8M |
$1.7B
+0.9% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$920.5M
+71.3% YoY+1.9% QoQ
|
$-313.9M |
$1.2B
+0.5% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$1.2B
+95.3% YoY+1.1% QoQ
|
$-233.8M |
$1.5B
+0.9% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.0%
+31.0% YoY+1.4% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
3.2%
+8.2% YoY+3.4% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
69.7%
-4.1% YoY-0.9% QoQ
|
-4.3% |
74.1%
-9.5% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.5%
-24.1% YoY+37.2% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
75.1%
-12.3% YoY+0.8% QoQ
|
-9.7% |
84.8%
-0.8% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$28,470
+4.1% YoY+1.7% QoQ
|
$-958 |
$29,428
+2.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
31.0%
-24.0% YoY+1.1% QoQ
|
+1.9% | 29.0% | 18.2% | 19.8% | 60% |
| Indirect Auto % |
33.0%
+46.3% YoY-4.1% QoQ
|
+14.7% | 18.3% | 10.0% | 7.8% | 80% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)