BlastPoint's Credit Union Scorecard

AFRICAN DIASPORA

Charter #24975 · MO

<100M
2437 CUs in <100M nationally 58 in MO

AFRICAN DIASPORA has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?
MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 20.81% above tier average
  • + Strong member growth: 18200.0% YoY
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + Member Growth Rate: Top 0.1% in tier
  • + Asset Growth Rate: Top 0.1% in tier
  • + Fee Income Per Member: Top 6.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 215.46% above tier (higher cost structure)
  • - Loan Growth Rate: Bottom 0.1% in tier
  • - Deposit Growth Rate: Bottom 0.1% in tier
  • - AMR Growth Rate: Bottom 0.1% in tier
  • - Net Worth Ratio: Bottom 0.2% in tier
  • - Loan-to-Share Ratio: Bottom 1.4% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
  • - Total Loans: Bottom 1.6% in tier

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 183
+18200.0% YoY-64.9% QoQ
 -2.4K 2,585
-1.7% YoY
 15,766
-0.3% YoY
 34,678
+6.6% YoY
 Bottom 4.0% in tier
Assets $547,479
+447.5% YoY+68.1% QoQ
 $-29.7M $30.3M
+1.5% YoY
 $225.8M
+8.3% YoY
 $593.1M
+10.2% YoY
 Bottom 3.2% in tier
Loans $34,755 $-15.4M $15.5M
-1.7% YoY
 $157.5M
+9.5% YoY
 $418.6M
+10.1% YoY
 Bottom 1.6% in tier
Deposits $492,312
+21.1% QoQ
 $-25.3M $25.8M
+1.1% YoY
 $197.6M
+8.9% YoY
 $504.8M
+10.3% YoY
 Bottom 3.7% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 22.3%
-5553.8% QoQ
 +20.8% 1.5%
+241.5% YoY
 1.4%
+222.5% YoY
 1.2%
+121.4% YoY
 Top 0.3% in tier
NIM 2.1%
-546.6% QoQ
 -1.8% 3.9%
+0.9% YoY
 3.8%
+0.7% YoY
 3.8%
+2.3% YoY
 Bottom 3.9% in tier
Efficiency Ratio 304.2% +215.5% 88.8%
-6.9% YoY
 83.2%
+2.3% YoY
 83.0%
-5.3% YoY
 Bottom 0.5% in tier
Delinquency Rate 0.0% -1.5 1.5%
+2.1% YoY
 1.1%
-8.7% YoY
 1.3%
+2.6% YoY
 Top 0.1% in tier
Loan To Share 7.1% -51.8% 58.9%
-3.1% YoY
 69.6%
-2.9% YoY
 66.4%
-1.4% YoY
 Bottom 1.3% in tier
AMR $2,880
+269.8% QoQ
 $-12K $14,963
-6.8% YoY
 $17,444
+4.9% YoY
 $20,028
-0.9% YoY
 Bottom 4.0% in tier
CD Concentration 0.0%
-100.0% QoQ
 -24.6% 24.6% 18.3% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 9.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2437 peers in tier

Top Strengths (9 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.70%
#1 of 2437 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.59%
#1 of 2437 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.77%
#1 of 2437 Top 0.1% in <100M tier
2
Member Growth Rate
growth
Value: 18200.00%
Peer Median: -1.37%
#2 of 2437 Top 0.1% in <100M tier
3
Asset Growth Rate
growth
Value: 447.48%
Peer Median: 1.25%
#3 of 2437 Top 0.1% in <100M tier
8
Return on Assets (ROA)
profitability
Value: 22.31%
Peer Median: 0.81%
#8 of 2437 Top 0.3% in <100M tier
147
Fee Income Per Member
profitability
Value: $196.27
Peer Median: $63.89
#147 of 2437 Top 6.0% in <100M tier
343
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.18%
#343 of 2437 Top 14.0% in <100M tier

Top Weaknesses (14 metrics)

2437
Loan Growth Rate
growth
Value: -
Peer Median: -2.63%
#2437 of 2437 Bottom 0.1% in <100M tier
2437
Deposit Growth Rate
growth
Value: -
Peer Median: 0.92%
#2437 of 2437 Bottom 0.1% in <100M tier
2437
AMR Growth Rate
growth
Value: -
Peer Median: 1.04%
#2437 of 2437 Bottom 0.1% in <100M tier
2433
Net Worth Ratio
risk
Value: -2.28%
Peer Median: 14.28%
#2433 of 2437 Bottom 0.2% in <100M tier
2427
Efficiency Ratio
profitability
Value: 304.23%
Peer Median: 80.65%
#2427 of 2437 Bottom 0.5% in <100M tier
2403
Loan-to-Share Ratio
balance_sheet
Value: 7.06%
Peer Median: 58.67%
#2403 of 2437 Bottom 1.4% in <100M tier
2401
Loan-to-Member Ratio (LMR)
engagement
Value: $189.92
Peer Median: $4,937
#2401 of 2437 Bottom 1.5% in <100M tier
2398
Total Loans
balance_sheet
Value: $34,755
Peer Median: $9.49M
#2398 of 2437 Bottom 1.6% in <100M tier
2360
Total Assets
balance_sheet
Value: $547,479
Peer Median: $21.91M
#2360 of 2437 Bottom 3.2% in <100M tier
2346
Total Deposits
balance_sheet
Value: $492,312
Peer Median: $18.69M
#2346 of 2437 Bottom 3.8% in <100M tier
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