BlastPoint's Credit Union Scorecard
BLUCURRENT
Charter #61790 · MO
BLUCURRENT has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.48% above tier average
- + Loan-to-Share Ratio: Top 4.1% in tier
- + Total Loans: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 0.13% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,274
+2.3% YoY+1.2% QoQ
|
+9.1K |
15,145
-2.5% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Top 12.8% in tier |
| Assets |
$393.9M
+8.2% YoY+1.8% QoQ
|
+$162.2M |
$231.7M
+0.8% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Top 12.2% in tier |
| Loans |
$314.6M
+11.3% YoY+0.7% QoQ
|
+$170.4M |
$144.1M
+0.2% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Top 4.3% in tier |
| Deposits |
$331.0M
+8.0% YoY+1.4% QoQ
|
+$129.9M |
$201.1M
+0.4% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Top 13.3% in tier |
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| ROA |
0.4%
-36.9% YoY-33.2% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
4.1%
-2.0% YoY-0.8% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
78.1%
+1.9% YoY+0.5% QoQ
|
+0.1% |
78.0%
-1.7% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.4%
+33.9% YoY-15.9% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
95.0%
+3.1% YoY-0.7% QoQ
|
+24.6% |
70.4%
-0.4% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 4.2% in tier |
| AMR |
$26,596
+7.1% YoY-0.1% QoQ
|
+$2K |
$24,918
+2.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
69% |
| CD Concentration |
23.0%
-5.6% YoY-2.7% QoQ
|
-1.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
14.8%
-12.9% YoY-2.1% QoQ
|
+1.0% | 13.8% | 9.8% | 7.7% | 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 (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
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)