BlastPoint's Credit Union Scorecard
FOUNDATION
Charter #61157 · MO
FOUNDATION has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Strong member growth: 6.4% YoY
- + Loan-to-Member Ratio (LMR): Top 1.0% in tier
- + Average Member Relationship (AMR): Top 2.0% in tier
- + Total Loans: Top 2.2% in tier
- + Member Growth Rate: Top 5.3% in tier
- + Deposit Growth Rate: Top 6.9% in tier
- + Loan-to-Share Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 5.3% in tier
- - Share Certificate Concentration (%): Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,440
+6.4% YoY-0.5% QoQ
|
+763 |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$74.6M
+8.4% YoY+4.8% QoQ
|
+$44.4M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Top 10.2% in tier |
| Loans |
$57.6M
+6.9% YoY-1.0% QoQ
|
+$42.3M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Top 2.2% in tier |
| Deposits |
$63.3M
+11.2% YoY+9.2% QoQ
|
+$37.5M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Top 10.4% in tier |
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| ROA |
0.8%
+290.8% YoY+71.0% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
3.1%
+11.0% YoY+1.1% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
77.3%
-11.7% YoY-5.7% QoQ
|
-13.3% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
0.2%
-42.1% YoY-76.2% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
91.1%
-3.9% YoY-9.3% QoQ
|
+32.5% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 7.5% in tier |
| AMR |
$35,141
+2.5% YoY+4.6% QoQ
|
+$20K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Top 2.0% in tier |
| CD Concentration |
43.5%
-3.7% YoY-7.0% QoQ
|
+19.2% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
5.3%
-43.8% YoY-11.8% QoQ
|
-8.5% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)