BlastPoint's Credit Union Scorecard
BLUCURRENT
Charter #61790 · MO
BLUCURRENT has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 14.7% in tier
- + Organic Growth Engine: Top 23.2% in tier
- + Wallet Share Momentum: Top 68.5% in tier
- + Net Interest Margin 0.61% above tier average
- + Total Loans: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.3% in tier
- - Credit Risk Growth: Bottom 18.0% in tier
- - Credit Quality Pressure: Bottom 21.9% in tier
- - Indirect Auto Dependency: Bottom 22.0% in tier
- - ROA 0.13% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,895
+2.8% YoY+0.7% QoQ
|
+8.3K |
15,628
-3.4% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
85% |
| Assets |
$383.2M
+10.3% YoY+3.7% QoQ
|
+$151.9M |
$231.3M
-0.0% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 13.4% in tier |
| Loans |
$300.0M
+8.4% YoY+2.4% QoQ
|
+$152.2M |
$147.8M
-1.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 6.0% in tier |
| Deposits |
$322.7M
+10.1% YoY+4.1% QoQ
|
+$122.4M |
$200.3M
-0.0% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 14.7% in tier |
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| ROA |
0.7%
-20.4% YoY-0.2% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
4.2%
-0.6% YoY-0.6% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
77.0%
-2.6% YoY-0.5% QoQ
|
-0.3% |
77.3%
-3.0% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.5%
+16.6% YoY+16.9% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
93.0%
-1.6% YoY-1.7% QoQ
|
+20.3% |
72.7%
-1.5% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 10.4% in tier |
| AMR |
$26,059
+6.3% YoY+2.5% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
24.3%
-7.8% YoY-0.6% QoQ
|
-0.1% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
15.6%
-14.5% YoY-4.2% QoQ
|
+1.7% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)