BlastPoint's Credit Union Scorecard

MULTIPLI

Charter #24955 · MO

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

MULTIPLI has 10 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

+ Organic Growth Engine: Top 2.5% in tier
+ Emerging Performer: Top 2.8% in tier
+ Credit Quality Leader: Top 81.9% in tier
+ Profitability Leader: Top 95.7% in tier
+ ROA 0.32% above tier average
+ Strong member growth: 78.0% YoY
+ Member Growth Rate: Top 0.0% in tier
+ Asset Growth Rate: Top 0.0% in tier
+ Loan Growth Rate: Top 0.0% in tier
+ Deposit Growth Rate: Top 0.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 4.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	75,575 +78.0% YoY+0.3% QoQ	-23.1K	98,678 -1.9% YoY	15,920 +4.0% YoY	33,089 +6.1% YoY	34%
Assets	$1.4B +96.7% YoY+1.6% QoQ	$-333.6M	$1.7B +0.5% YoY	$210.9M +9.4% YoY	$547.7M +7.8% YoY	37%
Loans	$903.2M +71.6% YoY+2.6% QoQ	$-329.8M	$1.2B +0.5% YoY	$147.8M +9.0% YoY	$388.7M +8.6% YoY	27%
Deposits	$1.2B +97.0% YoY+1.5% QoQ	$-242.7M	$1.5B +1.3% YoY	$183.9M +12.2% YoY	$464.6M +9.3% YoY	43%

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	1.0% +31.6% YoY-5.5% QoQ	+0.3%	0.7% +13.4% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	79%
NIM	3.1% -1.0% YoY-15.3% QoQ	-0.2%	3.3% +9.3% YoY	3.8% +3.2% YoY	3.7% +5.0% YoY	36%
Efficiency Ratio	70.4% -4.7% YoY-1.2% QoQ	-3.6%	74.0% -10.9% YoY	78.5% -6.5% YoY	79.1% -3.3% YoY	33%
Delinquency Rate	0.4% -34.3% YoY-23.6% QoQ	-0.4	0.8% +6.1% YoY	1.2% +9.9% YoY	1.2% -0.9% YoY	20%
Loan To Share	74.5% -12.9% YoY+1.1% QoQ	-10.6%	85.2% -0.8% YoY	72.3% -3.7% YoY	68.0% -1.7% YoY	21%
AMR	$27,984 +4.1% YoY+1.7% QoQ	$-1K	$29,172 +2.8% YoY	$16,810 +3.4% YoY	$19,418 +1.3% YoY	55%
CD Concentration	30.6% -24.4% YoY+1.0% QoQ	+1.7%	29.0% +0.7% YoY	18.1% +9.5% YoY	19.6% +6.2% YoY	60%
Indirect Auto %	34.5% +53.5% YoY-2.5% QoQ	+15.7%	18.8% -3.0% YoY	10.3% -9.1% YoY	7.9% -2.9% YoY	82%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#19 of 246 • Top 2.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 78.03%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 1.02%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 34.46%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Emerging Performer

growth

#3 of 72 • Top 2.8% 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: 1.02%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Member Growth (YoY): 78.03%

(Tier: 3.18%, National: 9.37%)

better than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | New qualifier

Credit Quality Leader

growth

#78 of 95 • Top 81.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.38%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.20% points

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

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Profitability Leader

growth

#91 of 95 • Top 95.7% in tier

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

Why This Signature

Return on Assets: 1.02%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#30 of 202 • Bottom 4.7% in tier

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

Why This Signature

Asset Growth (YoY): 96.65%

(Tier: 5.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 34.46%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 78.03%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 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 304 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 78.03%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 96.65%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Loan Growth Rate

growth

Value: 71.55%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 97.03%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 21.52%

Peer Avg: -

#61 of 304 Top 19.7% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Avg: -

#63 of 304 Top 20.4% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.02%

Peer Avg: -

#64 of 304 Top 20.7% in 1B-3B tier

Top Weaknesses (2 metrics)

251

Indirect Auto Concentration (%)

balance_sheet

Value: 34.46%

Peer Avg: -

#251 of 304 Bottom 17.8% in 1B-3B tier

240

Loan-to-Share Ratio

balance_sheet

Value: 74.55%

Peer Avg: -

#240 of 304 Bottom 21.4% in 1B-3B tier