BlastPoint's Credit Union Scorecard
METRO
Charter #61840 · MO
METRO has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.60% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - ROA 0.09% below tier average
- - Delinquency rate 0.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,200
-1.9% YoY-0.6% QoQ
|
-5.9K |
15,145
-2.5% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$122.5M
+6.3% YoY+0.7% QoQ
|
$-109.2M |
$231.7M
+0.8% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.5% in tier |
| Loans |
$71.9M
-6.8% YoY-2.5% QoQ
|
$-72.2M |
$144.1M
+0.2% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$106.5M
+5.6% YoY+0.6% QoQ
|
$-94.7M |
$201.1M
+0.4% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.9% in tier |
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| ROA |
0.6%
-42.4% YoY-42.1% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
4.2%
-0.7% YoY+0.1% QoQ
|
+0.6% |
3.6%
+4.6% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
75.0%
+11.4% YoY+8.2% QoQ
|
-3.0% |
78.0%
-1.7% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.9%
+111.0% YoY-5.9% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
67.6%
-11.7% YoY-3.0% QoQ
|
-2.8% |
70.4%
-0.4% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$19,394
+2.1% YoY-0.0% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
27.5%
+3.5% YoY-2.7% QoQ
|
+3.2% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
18.7%
-10.2% YoY-2.2% QoQ
|
+4.9% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)