BlastPoint's Credit Union Scorecard
BOTHWELL HOSPITAL EMPLOYEES
Charter #61268 · MO
2556 CUs in <100M nationally
60 in MO
BOTHWELL HOSPITAL EMPLOYEES has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.76% below tier average
- - Efficiency ratio 34.01% above tier (higher cost structure)
- - Delinquency rate 0.73% above tier average
- - Asset Growth Rate: Bottom 4.0% in tier
- - Net Worth Ratio: Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - Total Assets: Bottom 8.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
- - AMR Growth Rate: Bottom 9.7% in tier
- - Total Deposits: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
882
-1.0% YoY+3.3% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$1.7M
-10.5% YoY-5.9% QoQ
|
$-28.5M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.0% in tier |
| Loans |
$1.4M
-9.9% YoY-5.3% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.7% in tier |
| Deposits |
$1.5M
-7.3% YoY-4.1% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.7% in tier |
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| ROA |
-2.1%
-471.6% YoY+89.4% QoQ
|
-2.8% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.0% in tier |
| NIM |
6.6%
+10.9% YoY+6.5% QoQ
|
+2.7% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
116.6%
+27.1% YoY+25.0% QoQ
|
+34.0% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 4.6% in tier |
| Delinquency Rate |
2.3%
-50.6% YoY-2.3% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
88.5%
-2.8% YoY-1.2% QoQ
|
+27.9% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 11.7% in tier |
| AMR |
$3,305
-7.6% YoY-7.7% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.9% in tier |
| CD Concentration |
0.3%
-4.3% YoY+4.3% QoQ
|
-24.2% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
49
Net Interest Margin (NIM)
profitability
Value:
6.63%
Peer Median: -
#49 of 2556
Top 1.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
296
Loan-to-Share Ratio
balance_sheet
Value:
88.54%
Peer Median: -
#296 of 2556
Top 11.5% in <100M tier
557
Members Per Employee (MPE)
engagement
Value:
441.000
Peer Median: -
#557 of 2556
Top 21.8% in <100M tier
587
Share Certificate Concentration (%)
balance_sheet
Value:
0.25%
Peer Median: -
#587 of 2556
Top 22.9% in <100M tier
Top Weaknesses (14 metrics)
2479
Return on Assets (ROA)
profitability
Value:
-2.14%
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2456
Asset Growth Rate
growth
Value:
-10.54%
Peer Median: -
#2456 of 2556
Bottom 4.0% in <100M tier
2439
Efficiency Ratio
profitability
Value:
116.57%
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2431
Net Worth Ratio
risk
Value:
8.07%
Peer Median: -
#2431 of 2556
Bottom 4.9% in <100M tier
2430
Average Member Relationship (AMR)
engagement
Value:
$3,305
Peer Median: -
#2430 of 2556
Bottom 5.0% in <100M tier
2351
Total Assets
balance_sheet
Value:
$1.65M
Peer Median: -
#2351 of 2556
Bottom 8.1% in <100M tier
2330
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,552
Peer Median: -
#2330 of 2556
Bottom 8.9% in <100M tier
2309
AMR Growth Rate
growth
Value:
-7.60%
Peer Median: -
#2309 of 2556
Bottom 9.7% in <100M tier
2307
Total Deposits
balance_sheet
Value:
$1.55M
Peer Median: -
#2307 of 2556
Bottom 9.8% in <100M tier
2262
Deposit Growth Rate
growth
Value:
-7.28%
Peer Median: -
#2262 of 2556
Bottom 11.5% in <100M tier