BlastPoint's Credit Union Scorecard
BLUCURRENT
Charter #61790 · MO
BLUCURRENT has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 26.4% in tier
- + Organic Growth Leader: Top 82.1% in tier
- + Organic Growth Engine: Top 88.4% in tier
- + Net Interest Margin 0.54% above tier average
- + Total Loans: Top 4.8% in tier
- + Loan-to-Share Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 22.9% in tier
- - Credit Risk Growth: Bottom 27.0% in tier
- - Credit Quality Pressure: Bottom 63.2% in tier
- - Indirect Auto Dependency: Bottom 67.3% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 0.72% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,990
+1.1% YoY+0.4% QoQ
|
+8.6K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 14.1% in tier |
| Assets |
$387.0M
+10.0% YoY+1.0% QoQ
|
+$155.1M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 12.9% in tier |
| Loans |
$312.5M
+12.5% YoY+4.2% QoQ
|
+$165.1M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 4.9% in tier |
| Deposits |
$326.4M
+10.4% YoY+1.1% QoQ
|
+$125.6M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Top 14.1% in tier |
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| ROA |
0.7%
+1.9% YoY+1.6% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
4.1%
-1.4% YoY-1.3% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
77.7%
+0.1% YoY+0.9% QoQ
|
+0.7% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.5%
+34.9% YoY+4.4% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
95.7%
+1.9% YoY+3.0% QoQ
|
+23.5% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 6.2% in tier |
| AMR |
$26,630
+10.2% YoY+2.2% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
23.6%
-8.4% YoY-2.8% QoQ
|
-0.8% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
15.1%
-10.1% YoY-3.4% QoQ
|
+1.3% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)