CENTRAL MISSOURI COMMUNITY

Charter #60383 | MO

100M-500M (1077 CUs) Micro
24 100M-500M in MO

CENTRAL MISSOURI COMMUNITY has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 25.4% in tier
  • + Emerging Performer: Top 26.2% in tier
  • + Relationship Depth Leader: Top 30.2% 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
  • - Deposit Outflow: Bottom 18.4% 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
 56th in tier
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
 Bottom 23.4% in tier
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
 29th in tier
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
 29th in tier
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
 40th in tier
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
 64th in tier
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
 Top 24.0% in tier
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
 Bottom 16.5% in tier
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
 43rd in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#701 of 1006 • Top 25.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.09%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#493 of 627 • Top 26.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.60%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.77%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#834 of 1006 • Top 30.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.09%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk
#196 of 521 • Bottom 11.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.80%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.09% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.77%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Deposit Outflow

decline
#109 of 114 • Bottom 18.4% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.66%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $136.04M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Membership Headwinds

decline
#351 of 550 • Bottom 21.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.77%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#458 of 550 • Bottom 27.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.60%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.77%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $14.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 13.27%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
179
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.86%
#179 of 1077 Top 16.5% in 100M-500M tier
192
Share Certificate Concentration (%)
balance_sheet
Value: 13.27%
Peer Avg: 23.61%
#192 of 1077 Top 17.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1036
Net Worth Ratio
risk
Value: 7.97%
Peer Avg: 12.15%
#1036 of 1077 Bottom 3.9% in 100M-500M tier
984
Average Member Relationship (AMR)
engagement
Value: $14,651
Peer Avg: $24,363
#984 of 1077 Bottom 8.7% in 100M-500M tier
923
Deposit Growth Rate
growth
Value: -0.66%
Peer Avg: 4.69%
#923 of 1077 Bottom 14.4% in 100M-500M tier
922
Loan-to-Member Ratio (LMR)
engagement
Value: $6,091
Peer Avg: $10,245
#922 of 1077 Bottom 14.5% in 100M-500M tier
825
Total Assets
balance_sheet
Value: $136.04M
Peer Avg: $231.30M
#825 of 1077 Bottom 23.5% in 100M-500M tier
820
Asset Growth Rate
growth
Value: 0.78%
Peer Avg: 4.70%
#820 of 1077 Bottom 24.0% in 100M-500M tier
819
Efficiency Ratio
profitability
Value: 84.80%
Peer Avg: 77.28%
#819 of 1077 Bottom 24.0% in 100M-500M tier