BlastPoint's Credit Union Scorecard
INFUZE
Charter #24974 · MO
INFUZE has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.41% above tier average
- + Net Interest Margin 0.50% above tier average
- + Total Loans: Top 0.9% in tier
- + Total Deposits: Top 3.2% in tier
- + Total Members: Top 3.2% in tier
- + Total Assets: Top 4.2% in tier
- + Loan Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
- Shares and deposits +7.8% year over year ($404M in shares and deposits).
- Membership: 35,399 members, +1.6% vs a year ago.
- Delinquency rate 0.36%.
- Return on assets 1.27%.
- Efficiency ratio 66.41% vs a 76.73% peer average.
- Loan-to-share ratio 92.07% vs a 71.54% 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 |
35,399
+1.6% YoY+0.8% QoQ
|
+20.2K |
15,168
-2.6% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 3.3% in tier |
| Assets |
$456.9M
+8.8% YoY+1.1% QoQ
|
+$224.9M |
$232.0M
+0.7% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Top 4.3% in tier |
| Loans |
$371.5M
+14.9% YoY+5.4% QoQ
|
+$225.3M |
$146.3M
+0.2% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Top 1.0% in tier |
| Deposits |
$403.5M
+7.8% YoY+0.6% QoQ
|
+$202.8M |
$200.7M
+0.2% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 3.3% in tier |
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| ROA |
1.3%
+12.5% YoY-2.6% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
4.2%
+1.4% YoY+2.1% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
66.4%
-2.3% YoY+3.2% QoQ
|
-10.3% |
76.7%
-0.8% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
0.4%
-35.1% YoY-9.8% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
92.1%
+6.5% YoY+4.7% QoQ
|
+20.5% |
71.5%
-0.3% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Top 11.0% in tier |
| AMR |
$21,896
+9.4% YoY+2.0% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
29.3%
-9.9% YoY-6.5% QoQ
|
+4.8% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
17.7%
-16.0% YoY-6.0% QoQ
|
+4.1% | 13.6% | 9.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)