BlastPoint's Credit Union Scorecard

ST. LOUIS COMMUNITY

Charter #60400 · MO

100M-500M

1024 CUs in 100M-500M nationally 22 in MO

ST. LOUIS COMMUNITY has 6 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

+ Net Interest Margin 0.08% above tier average
+ Total Members: Top 0.1% in tier
+ Total Assets: Top 5.4% in tier
+ Fee Income Per Member: Top 6.2% in tier
+ Total Deposits: Top 6.2% in tier
+ Share Certificate Concentration (%): Top 7.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.60% below tier average
- Efficiency ratio 4.75% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
Shares and deposits +0.9% year over year ($375M in shares and deposits).
Membership: 50,678 members, -2.6% vs a year ago.
Delinquency rate 5.79%.
Return on assets 0.26%.
Efficiency ratio 81.48% vs a 76.73% peer average.
Loan-to-share ratio 55.24% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	50,678 -2.6% YoY-0.5% QoQ	+35.5K	15,168 -2.6% YoY	15,766 -0.3% YoY	34,678 +6.6% YoY	Top 0.2% in tier
Assets	$445.0M +2.6% YoY+0.5% QoQ	+$213.0M	$232.0M +0.7% YoY	$225.8M +8.3% YoY	$593.1M +10.2% YoY	Top 5.5% in tier
Loans	$207.0M +0.6% YoY+1.7% QoQ	+$60.7M	$146.3M +0.2% YoY	$157.5M +9.5% YoY	$418.6M +10.1% YoY	77%
Deposits	$374.7M +0.9% YoY+0.2% QoQ	+$174.0M	$200.7M +0.2% YoY	$197.6M +8.9% YoY	$504.8M +10.3% YoY	Top 6.3% 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	0.3% -38.7% YoY-45.6% QoQ	-0.6%	0.9% +12.5% YoY	1.4% +222.5% YoY	1.2% +121.4% YoY	Bottom 12.0% in tier
NIM	3.8% -3.9% YoY+2.3% QoQ	+0.1%	3.7% +4.5% YoY	3.8% +0.7% YoY	3.8% +2.3% YoY	56%
Efficiency Ratio	81.5% +3.0% YoY-1.7% QoQ	+4.8%	76.7% -0.8% YoY	83.2% +2.3% YoY	83.0% -5.3% YoY	63%
Delinquency Rate	5.8% +252.1% YoY+129.0% QoQ	+4.9	0.9% +6.6% YoY	1.1% -8.7% YoY	1.3% +2.6% YoY	Bottom 0.3% in tier
Loan To Share	55.2% -0.4% YoY+1.4% QoQ	-16.3%	71.5% -0.3% YoY	69.6% -2.9% YoY	66.4% -1.4% YoY	18%
AMR	$11,478 +3.5% YoY+1.2% QoQ	$-14K	$25,107 +3.2% YoY	$17,444 +4.9% YoY	$20,028 -0.9% YoY	Bottom 1.1% in tier
CD Concentration	7.6% +3.7% YoY+1.1% QoQ	-17.0%	24.6%	18.3%	20.0%	50%
Indirect Auto %	18.2% -23.9% YoY-9.5% QoQ	+4.6%	13.6%	9.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#1 of 693 • 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): 4.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Stagnation Risk

risk

#141 of 549 • 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): -2.56%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 0.58%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 5.79%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Credit Risk Growth

risk

#231 of 472 • 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): 0.58%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 4.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Membership Headwinds

decline

#274 of 549 • 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): -2.56%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Efficiency Drag

risk

#411 of 531 • 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: 81.48%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -2.56%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#386 of 476 • 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): 2.63%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 18.24%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -2.56%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (8 metrics)

Total Members

engagement

Value: 50,678

Peer Median: 13,128

#2 of 1024 Top 0.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $445.05M

Peer Median: $196.38M

#56 of 1024 Top 5.4% in 100M-500M tier

Fee Income Per Member

profitability

Value: $287.72

Peer Median: $159.88

#64 of 1024 Top 6.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $374.69M

Peer Median: $170.77M

#65 of 1024 Top 6.2% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.59%

Peer Median: 23.39%

#73 of 1024 Top 7.0% in 100M-500M tier

175

Net Worth Ratio

risk

Value: 15.03%

Peer Median: 11.71%

#175 of 1024 Top 17.0% in 100M-500M tier

196

First Mortgage Concentration (%)

balance_sheet

Value: 14.48%

Peer Median: 29.92%

#196 of 1024 Top 19.0% in 100M-500M tier

235

Total Loans

balance_sheet

Value: $206.99M

Peer Median: $124.04M

#235 of 1024 Top 22.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1022

Total Delinquency Rate (60+ days)

risk

Value: 5.79%

Peer Median: 0.71%

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1013

Average Member Relationship (AMR)

engagement

Value: $11,478

Peer Median: $23,006

#1013 of 1024 Bottom 1.2% in 100M-500M tier

1004

Loan-to-Member Ratio (LMR)

engagement

Value: $4,084

Peer Median: $9,434

#1004 of 1024 Bottom 2.1% in 100M-500M tier

998

Net Charge-Off Rate

risk

Value: 1.70%

Peer Median: 0.34%

#998 of 1024 Bottom 2.6% in 100M-500M tier

901

Return on Assets (ROA)

profitability

Value: 0.26%

Peer Median: 0.75%

#901 of 1024 Bottom 12.1% in 100M-500M tier

842

Loan-to-Share Ratio

balance_sheet

Value: 55.24%

Peer Median: 73.07%

#842 of 1024 Bottom 17.9% in 100M-500M tier

804

Member Growth Rate

growth

Value: -2.56%

Peer Median: -0.03%

#804 of 1024 Bottom 21.6% in 100M-500M tier