BlastPoint's Credit Union Scorecard

CENTRAL MISSOURI COMMUNITY

Charter #60383 · MO

100M-500M

1070 CUs in 100M-500M nationally 25 in MO

CENTRAL MISSOURI COMMUNITY has 1 strength 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

+ Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.46% below tier average
- Efficiency ratio 13.00% above tier (higher cost structure)
- Net Worth Ratio: Bottom 3.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	14,712 -0.6% YoY+1.4% QoQ	-433	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	58%
Assets	$141.6M +1.8% YoY+3.5% QoQ	$-90.2M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	26%
Loans	$91.6M +4.5% YoY+0.8% QoQ	$-52.6M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	32%
Deposits	$130.9M +0.7% YoY+3.8% QoQ	$-70.2M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	31%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +38.1% YoY-63.0% QoQ	-0.5%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	20%
NIM	3.8% +6.4% YoY-2.7% QoQ	+0.1%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	91.0% +1.6% YoY+8.7% QoQ	+13.0%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	Bottom 13.0% in tier
Delinquency Rate	0.4% +38.3% YoY+6.3% QoQ	-0.3	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	36%
Loan To Share	69.9% +3.7% YoY-2.9% QoQ	-0.5%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	46%
AMR	$15,121 +2.8% YoY+1.2% QoQ	$-10K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	Bottom 9.3% in tier
CD Concentration	14.4% +14.4% YoY+0.5% QoQ	-9.9%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#15 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 91.02%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#456 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#339 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.48%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Stagnation Risk

risk

#546 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.48%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.44%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#556 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

218

Share Certificate Concentration (%)

balance_sheet

Value: 14.36%

Peer Median: 23.10%

#218 of 1070 Top 20.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1037

Net Worth Ratio

risk

Value: 7.96%

Peer Median: 11.45%

#1037 of 1070 Bottom 3.2% in 100M-500M tier

970

Average Member Relationship (AMR)

engagement

Value: $15,121

Peer Median: $22,931

#970 of 1070 Bottom 9.4% in 100M-500M tier

932

Efficiency Ratio

profitability

Value: 91.02%

Peer Median: 78.68%

#932 of 1070 Bottom 13.0% in 100M-500M tier

902

Loan-to-Member Ratio (LMR)

engagement

Value: $6,223

Peer Median: $9,356

#902 of 1070 Bottom 15.8% in 100M-500M tier

852

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: 0.69%

#852 of 1070 Bottom 20.5% in 100M-500M tier