BlastPoint's Credit Union Scorecard
BLUCURRENT
Charter #61790 · MO
BLUCURRENT has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.43% above tier average
- + Total Loans: Top 4.1% in tier
- + Deposit Growth Rate: Top 6.4% in tier
- + Loan-to-Share Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 1.66% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
- Shares and deposits +10.9% year over year ($344M in shares and deposits).
- Membership: 24,479 members, +3.2% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 0.54%.
- Efficiency ratio 78.40% vs a 76.73% peer average.
- Loan-to-share ratio 93.89% vs a 71.54% 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 |
24,479
+3.2% YoY+0.8% QoQ
|
+9.3K |
15,168
-2.6% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 12.6% in tier |
| Assets |
$406.1M
+9.9% YoY+3.1% QoQ
|
+$174.1M |
$232.0M
+0.7% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Top 10.3% in tier |
| Loans |
$322.6M
+10.1% YoY+2.6% QoQ
|
+$176.4M |
$146.3M
+0.2% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Top 4.2% in tier |
| Deposits |
$343.6M
+10.9% YoY+3.8% QoQ
|
+$142.9M |
$200.7M
+0.2% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 11.0% in tier |
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| ROA |
0.5%
-17.8% YoY+21.5% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
4.1%
-2.6% YoY-0.0% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
78.4%
+1.3% YoY+0.3% QoQ
|
+1.7% |
76.7%
-0.8% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
0.3%
-19.0% YoY-21.0% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
93.9%
-0.7% YoY-1.2% QoQ
|
+22.3% |
71.5%
-0.3% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Top 7.6% in tier |
| AMR |
$27,217
+7.1% YoY+2.3% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
22.4%
-8.2% YoY-2.3% QoQ
|
-2.1% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
14.8%
-9.2% YoY+0.2% QoQ
|
+1.2% | 13.6% | 9.9% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)