BlastPoint's Credit Union Scorecard
CENTRAL MISSOURI COMMUNITY
Charter #60383 · MO
CENTRAL MISSOURI COMMUNITY has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 62.2% in tier
- + Net Interest Margin 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.1% in tier
- - Membership Headwinds: Bottom 21.3% in tier
- - Stagnation Risk: Bottom 27.8% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 7.52% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,658
-1.8% YoY-0.4% QoQ
|
-970 |
15,628
-3.4% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$136.0M
+0.8% YoY+0.8% QoQ
|
$-95.3M |
$231.3M
-0.0% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$89.3M
+4.1% YoY+0.6% QoQ
|
$-58.5M |
$147.8M
-1.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$125.5M
-0.7% YoY-0.1% QoQ
|
$-74.8M |
$200.3M
-0.0% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
29% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-12.9% YoY+28.3% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
3.8%
+14.0% YoY+3.0% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
84.8%
-0.3% YoY-1.9% QoQ
|
+7.5% |
77.3%
-3.0% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.3%
-36.4% YoY-27.1% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
71.2%
+4.8% YoY+0.7% QoQ
|
-1.5% |
72.7%
-1.5% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$14,651
+3.1% YoY+0.5% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
13.3%
-6.7% YoY+40.6% QoQ
|
-11.1% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)