BlastPoint's Credit Union Scorecard
AFRICAN DIASPORA
Charter #24975 · MO
AFRICAN DIASPORA has 3 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 11.32% above tier average
- + Efficiency Ratio: Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - 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
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Average Member Relationship (AMR): Bottom 0.2% in tier
- - Total Assets: Bottom 0.4% in tier
- - Total Loans: Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Deposits: Bottom 0.8% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
378
+37700.0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Bottom 10.2% in tier |
| Assets |
$117,264
+17.3% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.4% in tier |
| Loans | $0.0 | $-15.8M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.0% in tier |
| Deposits | $105,596 | $-25.6M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.7% in tier |
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| ROA | 11.9% | +11.3% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Top 0.2% in tier |
| NIM | -0.0% | -4.0% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.2% in tier |
| Efficiency Ratio | 0.0% | -82.6% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate | - | - |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
- |
| Loan To Share | 0.0% | -60.6% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR | $279.4 | $-15K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | - | - | 13.8% | 10.0% | 7.8% | - |
Signature Analysis
Strengths (0)
Concerns (0)
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)