BlastPoint's Credit Union Scorecard
BOTHWELL HOSPITAL EMPLOYEES
Charter #61268 · MO
<100M
2508 CUs in <100M nationally
59 in MO
BOTHWELL HOSPITAL EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.55% above tier average
- + Strong member growth: 198.7% YoY
- + Member Growth Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 9.47% below tier average
- - Efficiency ratio 115.49% above tier (higher cost structure)
- - Delinquency rate 9.10% above tier average
- - AMR Growth Rate: Bottom 0.5% in tier
- - Net Worth Ratio: Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Asset Growth Rate: Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
896
+198.7% YoY+1.6% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$1.6M
-13.9% YoY-2.8% QoQ
|
$-28.6M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.9% in tier |
| Loans |
$1.2M
-23.2% YoY-14.9% QoQ
|
$-14.1M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.7% in tier |
| Deposits |
$1.5M
-10.0% YoY-1.4% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.3% in tier |
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| ROA |
-9.3%
+1758.7% YoY+336.1% QoQ
|
-9.5% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.9% in tier |
| NIM |
6.6%
+8.6% YoY-1.1% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
206.1%
+155.0% YoY+76.8% QoQ
|
+115.5% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate |
10.6%
+133.9% YoY+363.3% QoQ
|
+9.1 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.2% in tier |
| Loan To Share |
76.4%
-14.7% YoY-13.7% QoQ
|
+17.9% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$3,002
-72.0% YoY-9.2% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.5% in tier |
| CD Concentration |
0.3%
+1.4% QoQ
|
-24.0% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 7.7% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
7
Member Growth Rate
growth
Value:
198.67%
Peer Median: -1.37%
#7 of 2508
Top 0.2% in <100M tier
50
Net Interest Margin (NIM)
profitability
Value:
6.55%
Peer Median: 3.83%
#50 of 2508
Top 2.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
525
Members Per Employee (MPE)
engagement
Value:
448.000
Peer Median: 333.750
#525 of 2508
Top 20.9% in <100M tier
575
Loan-to-Share Ratio
balance_sheet
Value:
76.39%
Peer Median: 58.72%
#575 of 2508
Top 22.9% in <100M tier
576
Share Certificate Concentration (%)
balance_sheet
Value:
0.26%
Peer Median: 12.45%
#576 of 2508
Top 22.9% in <100M tier
Top Weaknesses (14 metrics)
2496
AMR Growth Rate
growth
Value:
-71.96%
Peer Median: 1.27%
#2496 of 2508
Bottom 0.5% in <100M tier
2491
Net Worth Ratio
risk
Value:
4.89%
Peer Median: 14.28%
#2491 of 2508
Bottom 0.7% in <100M tier
2485
Return on Assets (ROA)
profitability
Value:
-9.32%
Peer Median: 0.61%
#2485 of 2508
Bottom 1.0% in <100M tier
2469
Efficiency Ratio
profitability
Value:
206.12%
Peer Median: 81.45%
#2469 of 2508
Bottom 1.6% in <100M tier
2454
Total Delinquency Rate (60+ days)
risk
Value:
10.60%
Peer Median: 0.65%
#2454 of 2508
Bottom 2.2% in <100M tier
2451
Asset Growth Rate
growth
Value:
-13.91%
Peer Median: 1.30%
#2451 of 2508
Bottom 2.3% in <100M tier
2395
Average Member Relationship (AMR)
engagement
Value:
$3,002
Peer Median: $13,926
#2395 of 2508
Bottom 4.5% in <100M tier
2394
Loan Growth Rate
growth
Value:
-23.22%
Peer Median: -2.36%
#2394 of 2508
Bottom 4.6% in <100M tier
2338
Deposit Growth Rate
growth
Value:
-10.03%
Peer Median: 0.66%
#2338 of 2508
Bottom 6.8% in <100M tier
2313
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,300
Peer Median: $4,923
#2313 of 2508
Bottom 7.8% in <100M tier