BlastPoint's Credit Union Scorecard

ST. LOUIS COMMUNITY

Charter #60400 · MO

1077 CUs in 100M-500M nationally 24 in MO

ST. LOUIS COMMUNITY has 7 strengths but faces 15 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

+ Wallet Share Momentum: Top 82.1% in tier
+ Net Interest Margin 0.41% above tier average
+ Total Members: Top 0.0% in tier
+ Total Assets: Top 7.1% in tier
+ Share Certificate Concentration (%): Top 7.4% in tier
+ Fee Income Per Member: Top 8.2% in tier
+ Total Deposits: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 4.8% in tier
- Membership Headwinds: Bottom 5.7% in tier
- Credit Quality Pressure: Bottom 13.8% in tier
- Indirect Auto Dependency: Bottom 21.0% in tier
- Stagnation Risk: Bottom 23.6% in tier
- Efficiency Drag: Bottom 27.8% in tier
- ROA 0.42% below tier average
- Efficiency ratio 2.87% above tier (higher cost structure)
- Delinquency rate 1.72% above tier average
- Member decline: -5.8% YoY
- Average Member Relationship (AMR): Bottom 0.6% in tier
- Net Charge-Off Rate: Bottom 0.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- Member Growth Rate: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	51,594 -5.8% YoY-0.8% QoQ	+36.0K	15,628 -3.4% YoY	15,920 +4.0% YoY	33,089 +6.1% YoY	Top 0.1% in tier
Assets	$427.4M +2.1% YoY-1.4% QoQ	+$196.1M	$231.3M -0.0% YoY	$210.9M +9.4% YoY	$547.7M +7.8% YoY	Top 7.2% in tier
Loans	$206.1M -3.9% YoY+0.1% QoQ	+$58.3M	$147.8M -1.4% YoY	$147.8M +9.0% YoY	$388.7M +8.6% YoY	77%
Deposits	$361.8M +1.7% YoY-2.5% QoQ	+$161.6M	$200.3M -0.0% YoY	$183.9M +12.2% YoY	$464.6M +9.3% YoY	Top 8.6% in tier

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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	0.4% -35.0% YoY-15.5% QoQ	-0.4%	0.8% +15.5% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	22%
NIM	4.0% +5.0% YoY+1.9% QoQ	+0.4%	3.6% +6.9% YoY	3.8% +3.2% YoY	3.7% +5.0% YoY	72%
Efficiency Ratio	80.1% +1.2% YoY+1.3% QoQ	+2.9%	77.3% -3.0% YoY	78.5% -6.5% YoY	79.1% -3.3% YoY	62%
Delinquency Rate	2.6% +9.0% YoY+56.5% QoQ	+1.7	0.9% +7.6% YoY	1.2% +9.9% YoY	1.2% -0.9% YoY	Top 3.7% in tier
Loan To Share	56.9% -5.5% YoY+2.7% QoQ	-15.8%	72.7% -1.5% YoY	72.3% -3.7% YoY	68.0% -1.7% YoY	17%
AMR	$11,007 +5.7% YoY-0.8% QoQ	$-13K	$24,363 +2.9% YoY	$16,810 +3.4% YoY	$19,418 +1.3% YoY	Bottom 0.6% in tier
CD Concentration	7.6% -0.6% YoY+4.1% QoQ	-16.8%	24.4% +4.2% YoY	18.1% +9.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	22.4% -21.9% YoY-6.5% QoQ	+8.4%	14.0% -5.7% YoY	10.3% -9.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#395 of 481 • Top 82.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.74%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (6)

Institutional Decline

decline

#39 of 256 • Bottom 4.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $427.43M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -5.79%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.89%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#95 of 550 • Bottom 5.7% in tier

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

Why This Signature

Member Growth (YoY): -5.79%

(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 improving

Credit Quality Pressure

risk

#343 of 736 • Bottom 13.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#339 of 525 • Bottom 21.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.06%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 22.40%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -5.79%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk

#389 of 550 • Bottom 23.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.79%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.89%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 2.57%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#491 of 521 • Bottom 27.8% in tier

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

Why This Signature

Efficiency Ratio: 80.15%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -5.79%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | 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 1077 peers in tier

Top Strengths (8 metrics)

Total Members

engagement

Value: 51,594

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $427.43M

Peer Avg: -

#78 of 1077 Top 7.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.62%

Peer Avg: -

#81 of 1077 Top 7.4% in 100M-500M tier

Fee Income Per Member

profitability

Value: $279.08

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $361.84M

Peer Avg: -

#93 of 1077 Top 8.5% in 100M-500M tier

150

Net Worth Ratio

risk

Value: 15.37%

Peer Avg: -

#150 of 1077 Top 13.8% in 100M-500M tier

211

First Mortgage Concentration (%)

balance_sheet

Value: 14.61%

Peer Avg: -

#211 of 1077 Top 19.5% in 100M-500M tier

251

Total Loans

balance_sheet

Value: $206.06M

Peer Avg: -

#251 of 1077 Top 23.2% in 100M-500M tier

Top Weaknesses (9 metrics)

1071

Average Member Relationship (AMR)

engagement

Value: $11,007

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1069

Net Charge-Off Rate

risk

Value: 2.27%

Peer Avg: -

#1069 of 1077 Bottom 0.8% in 100M-500M tier

1059

Loan-to-Member Ratio (LMR)

engagement

Value: $3,994

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1038

Total Delinquency Rate (60+ days)

risk

Value: 2.57%

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

993

Member Growth Rate

growth

Value: -5.79%

Peer Avg: -

#993 of 1077 Bottom 7.9% in 100M-500M tier

897

Loan Growth Rate

growth

Value: -3.89%

Peer Avg: -

#897 of 1077 Bottom 16.8% in 100M-500M tier

890

Loan-to-Share Ratio

balance_sheet

Value: 56.95%

Peer Avg: -

#890 of 1077 Bottom 17.5% in 100M-500M tier

837

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Avg: -

#837 of 1077 Bottom 22.4% in 100M-500M tier

812

Indirect Auto Concentration (%)

balance_sheet

Value: 22.40%

Peer Avg: -

#812 of 1077 Bottom 24.7% in 100M-500M tier