BlastPoint's Credit Union Scorecard
BOTHWELL HOSPITAL EMPLOYEES
Charter #61268 · MO
BOTHWELL HOSPITAL EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.74% above tier average
- + Net Interest Margin 2.29% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 112.61% above tier (higher cost structure)
- - Delinquency rate 3.68% above tier average
- - Member decline: -8.3% YoY
- - Net Worth Ratio: Bottom 0.5% in tier
- - Asset Growth Rate: Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 3.8% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits -16.0% year over year ($1.4M in shares and deposits).
- Membership: 817 members, -8.3% vs a year ago.
- Delinquency rate 5.23%.
- Return on assets 8.23%.
- Efficiency ratio 201.37% vs a 88.77% peer average.
- Loan-to-share ratio 74.40% vs a 58.89% 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 |
817
-8.3% YoY-8.8% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$1.5M
-21.8% YoY-9.4% QoQ
|
$-28.8M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.2% in tier |
| Loans |
$1.0M
-28.9% YoY-10.0% QoQ
|
$-14.4M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.8% in tier |
| Deposits |
$1.4M
-16.0% YoY-7.6% QoQ
|
$-24.4M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.5% in tier |
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| ROA |
8.2%
+2848.9% YoY-188.3% QoQ
|
+6.7% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Top 1.0% in tier |
| NIM |
6.2%
+2.8% YoY-5.5% QoQ
|
+2.3% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
201.4%
+139.4% YoY-2.3% QoQ
|
+112.6% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
5.2%
-50.7% QoQ
|
+3.7 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.1% in tier |
| Loan To Share |
74.4%
-15.4% YoY-2.6% QoQ
|
+15.5% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$3,008
-15.0% YoY+0.2% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.4% in tier |
| CD Concentration |
0.0%
-100.0% QoQ
|
-24.6% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 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)