BlastPoint's Credit Union Scorecard

ST. LOUIS COMMUNITY

Charter #60400 · MO

100M-500M

1069 CUs in 100M-500M nationally 24 in MO

ST. LOUIS COMMUNITY has 7 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.38% above tier average
+ Total Members: Top 0.0% in tier
+ Fee Income Per Member: Top 6.2% in tier
+ Total Assets: Top 6.3% in tier
+ Share Certificate Concentration (%): Top 6.9% in tier
+ Total Deposits: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.35% below tier average
- Efficiency ratio 1.87% above tier (higher cost structure)
- Delinquency rate 3.13% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	51,093 -3.4% YoY-1.0% QoQ	+35.7K	15,437 -2.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	Top 0.1% in tier
Assets	$431.8M +5.4% YoY+1.0% QoQ	+$199.9M	$231.9M +1.3% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	Top 6.4% in tier
Loans	$205.6M -2.1% YoY-0.2% QoQ	+$58.3M	$147.3M -0.1% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	76%
Deposits	$362.9M +4.7% YoY+0.3% QoQ	+$162.1M	$200.8M +0.8% YoY	$185.2M +10.6% YoY	$477.3M +9.7% YoY	Top 8.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -26.6% YoY+13.5% QoQ	-0.3%	0.8% +18.2% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	25%
NIM	4.0% +3.3% YoY-0.0% QoQ	+0.4%	3.6% +6.7% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	72%
Efficiency Ratio	78.9% +0.8% YoY-1.6% QoQ	+1.9%	77.0% -3.1% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	55%
Delinquency Rate	4.0% +81.9% YoY+56.4% QoQ	+3.1	0.9% +4.2% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	Bottom 1.0% in tier
Loan To Share	56.7% -6.5% YoY-0.5% QoQ	-15.6%	72.2% -1.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	18%
AMR	$11,127 +5.8% YoY+1.1% QoQ	$-14K	$24,676 +3.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	Bottom 0.8% in tier
CD Concentration	7.5% -10.1% YoY-0.9% QoQ	-16.9%	24.4%	18.2%	19.8%	50%
Indirect Auto %	21.5% -22.0% YoY-4.2% QoQ	+7.7%	13.8%	10.0%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#442 of 513 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.76%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#9 of 705 • 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): 1.81% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#82 of 554 • 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): -3.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.13%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 4.02%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#220 of 554 • 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): -3.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#100 of 240 • 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: $431.78M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -3.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.13%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Indirect Auto Dependency

risk

#246 of 506 • 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): 5.45%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 21.47%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -3.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (8 metrics)

Total Members

engagement

Value: 51,093

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $291.57

Peer Median: -

#67 of 1069 Top 6.2% in 100M-500M tier

Total Assets

balance_sheet

Value: $431.78M

Peer Median: -

#68 of 1069 Top 6.3% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.55%

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $362.92M

Peer Median: -

#85 of 1069 Top 7.9% in 100M-500M tier

150

Net Worth Ratio

risk

Value: 15.35%

Peer Median: -

#150 of 1069 Top 13.9% in 100M-500M tier

206

First Mortgage Concentration (%)

balance_sheet

Value: 14.54%

Peer Median: -

#206 of 1069 Top 19.2% in 100M-500M tier

253

Total Loans

balance_sheet

Value: $205.60M

Peer Median: -

#253 of 1069 Top 23.6% in 100M-500M tier

Top Weaknesses (8 metrics)

1060

Average Member Relationship (AMR)

engagement

Value: $11,127

Peer Median: -

#1060 of 1069 Bottom 0.9% in 100M-500M tier

1059

Total Delinquency Rate (60+ days)

risk

Value: 4.02%

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

1059

Net Charge-Off Rate

risk

Value: 2.30%

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

1051

Loan-to-Member Ratio (LMR)

engagement

Value: $4,024

Peer Median: -

#1051 of 1069 Bottom 1.8% in 100M-500M tier

888

Member Growth Rate

growth

Value: -3.44%

Peer Median: -

#888 of 1069 Bottom 17.0% in 100M-500M tier

877

Loan-to-Share Ratio

balance_sheet

Value: 56.65%

Peer Median: -

#877 of 1069 Bottom 18.1% in 100M-500M tier

829

Loan Growth Rate

growth

Value: -2.13%

Peer Median: -

#829 of 1069 Bottom 22.5% in 100M-500M tier

804

Indirect Auto Concentration (%)

balance_sheet

Value: 21.47%

Peer Median: -

#804 of 1069 Bottom 24.9% in 100M-500M tier