BlastPoint's Credit Union Scorecard
INFUZE
Charter #24974 · MO
INFUZE has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.47% above tier average
- + Total Loans: Top 2.2% in tier
- + Total Members: Top 4.0% in tier
- + Total Deposits: Top 5.0% in tier
- + Total Assets: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 75.5% in tier
- - Member Growth Rate: Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,776
-2.5% QoQ
|
+19.3K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 4.1% in tier |
| Assets |
$438.5M
+1.9% QoQ
|
+$206.7M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 6.1% in tier |
| Loans |
$343.7M
+1.7% QoQ
|
+$196.4M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 2.2% in tier |
| Deposits |
$389.2M
+1.7% QoQ
|
+$188.4M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Top 5.1% in tier |
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| ROA |
1.1%
-2.7% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
4.1%
-1.2% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
68.5%
+1.8% QoQ
|
-8.6% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.6%
+21.3% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
88.3%
+0.1% QoQ
|
+16.1% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$21,075
+4.3% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
32.9%
+0.8% QoQ
|
+8.5% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
19.9%
-2.9% QoQ
|
+6.1% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)