BlastPoint's Credit Union Scorecard
CENTRAL MISSOURI COMMUNITY
Charter #60383 · MO
CENTRAL MISSOURI COMMUNITY has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 28.7% in tier
- - Membership Headwinds: Bottom 60.4% in tier
- - Credit Quality Pressure: Bottom 75.1% in tier
- - Credit Risk Growth: Bottom 77.6% in tier
- - Stagnation Risk: Bottom 85.0% in tier
- - ROA 0.03% below tier average
- - Efficiency ratio 6.74% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Net Worth Ratio: Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,513
-2.1% YoY-1.0% QoQ
|
-924 |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$136.8M
+0.0% YoY+0.5% QoQ
|
$-95.1M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$90.8M
+4.9% YoY+1.7% QoQ
|
$-56.5M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$126.1M
-0.5% YoY+0.5% QoQ
|
$-74.7M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.7%
-4.2% YoY+21.4% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
3.9%
+13.9% YoY+0.8% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
83.8%
-0.5% YoY-1.2% QoQ
|
+6.7% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.4%
+29.3% YoY+51.3% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
72.1%
+5.4% YoY+1.3% QoQ
|
-0.2% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$14,947
+3.9% YoY+2.0% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.4% in tier |
| CD Concentration |
14.3%
+3.8% YoY+7.7% QoQ
|
-10.1% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)