BlastPoint's Credit Union Scorecard

ST. LOUIS COMMUNITY

Charter #60400 · MO

100M-500M

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

ST. LOUIS COMMUNITY has 5 strengths 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

+ Total Members: Top 0.1% in tier
+ Total Assets: Top 5.2% in tier
+ Total Deposits: Top 6.5% in tier
+ Share Certificate Concentration (%): Top 6.9% in tier
+ Fee Income Per Member: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 4.90% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	50,924 -3.0% YoY-0.3% QoQ	+35.8K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	Top 0.1% in tier
Assets	$442.9M +2.6% YoY+2.6% QoQ	+$211.2M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	Top 5.3% in tier
Loans	$203.6M -2.6% YoY-1.0% QoQ	+$59.4M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	77%
Deposits	$373.8M +1.7% YoY+3.0% QoQ	+$172.6M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	Top 6.6% 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	0.5% +17.5% QoQ	-0.2%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	35%
NIM	3.7% -1.7% YoY-7.8% QoQ	+0.0%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	82.9% +2.1% YoY+5.1% QoQ	+4.9%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	2.5% +36.9% YoY-37.2% QoQ	+1.8	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	Bottom 3.0% in tier
Loan To Share	54.5% -4.3% YoY-3.9% QoQ	-15.9%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	17%
AMR	$11,338 +3.2% YoY+1.9% QoQ	$-14K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	Bottom 1.0% in tier
CD Concentration	7.5% -9.2% YoY-0.6% QoQ	-16.8%	24.3%	18.1%	19.8%	50%
Indirect Auto %	20.1% -22.3% YoY-6.2% QoQ	+6.3%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#73 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): 0.68% 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 | Rank improving

Stagnation Risk

risk

#97 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): -2.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.60%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 2.53%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

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

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

Institutional Decline

decline

#100 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $442.93M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -2.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.60%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#270 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): -2.96%

(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

Indirect Auto Dependency

risk

#374 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.64%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.14%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#516 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: 82.92%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.44% points

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

but better than tier avg

Member Growth (YoY): -2.96%

(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

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 (8 metrics)

Total Members

engagement

Value: 50,924

Peer Median: 13,200

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

Total Assets

balance_sheet

Value: $442.93M

Peer Median: $196.57M

#57 of 1070 Top 5.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $373.78M

Peer Median: $171.29M

#71 of 1070 Top 6.5% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.51%

Peer Median: 23.10%

#75 of 1070 Top 6.9% in 100M-500M tier

Fee Income Per Member

profitability

Value: $276.74

Peer Median: $154.95

#78 of 1070 Top 7.2% in 100M-500M tier

154

Net Worth Ratio

risk

Value: 15.09%

Peer Median: 11.45%

#154 of 1070 Top 14.3% in 100M-500M tier

208

First Mortgage Concentration (%)

balance_sheet

Value: 14.62%

Peer Median: 29.47%

#208 of 1070 Top 19.3% in 100M-500M tier

248

Total Loans

balance_sheet

Value: $203.59M

Peer Median: $121.41M

#248 of 1070 Top 23.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1059

Average Member Relationship (AMR)

engagement

Value: $11,338

Peer Median: $22,931

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1050

Loan-to-Member Ratio (LMR)

engagement

Value: $3,998

Peer Median: $9,356

#1050 of 1070 Bottom 2.0% in 100M-500M tier

1039

Total Delinquency Rate (60+ days)

risk

Value: 2.53%

Peer Median: 0.61%

#1039 of 1070 Bottom 3.0% in 100M-500M tier

1012

Net Charge-Off Rate

risk

Value: 1.34%

Peer Median: 0.35%

#1012 of 1070 Bottom 5.5% in 100M-500M tier

888

Loan-to-Share Ratio

balance_sheet

Value: 54.47%

Peer Median: 71.88%

#888 of 1070 Bottom 17.1% in 100M-500M tier

868

Loan Growth Rate

growth

Value: -2.60%

Peer Median: 2.93%

#868 of 1070 Bottom 19.0% in 100M-500M tier

844

Member Growth Rate

growth

Value: -2.96%

Peer Median: -0.06%

#844 of 1070 Bottom 21.2% in 100M-500M tier