BlastPoint's Credit Union Scorecard

METRO

Charter #61840 · MO

100M-500M

1069 CUs in 100M-500M nationally 24 in MO

METRO has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.33% above tier average
+ Net Interest Margin 0.62% 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
- Delinquency rate 0.08% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	9,259 -1.5% YoY-0.5% QoQ	-6.2K	15,437 -2.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	25%
Assets	$121.6M +9.1% YoY+1.6% QoQ	$-110.3M	$231.9M +1.3% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	Bottom 14.3% in tier
Loans	$73.8M -4.9% YoY-1.2% QoQ	$-73.6M	$147.3M -0.1% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	18%
Deposits	$105.9M +8.6% YoY+1.3% QoQ	$-94.9M	$200.8M +0.8% YoY	$185.2M +10.6% YoY	$477.3M +9.7% YoY	Bottom 15.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +15.5% YoY-4.1% QoQ	+0.3%	0.8% +18.2% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	74%
NIM	4.2% +3.0% YoY-1.4% QoQ	+0.6%	3.6% +6.7% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	83%
Efficiency Ratio	69.3% -1.6% YoY+2.4% QoQ	-7.7%	77.0% -3.1% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	24%
Delinquency Rate	1.0% +261.8% YoY+63.5% QoQ	+0.1	0.9% +4.2% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	67%
Loan To Share	69.7% -12.5% YoY-2.5% QoQ	-2.6%	72.2% -1.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	41%
AMR	$19,400 +4.2% YoY+0.7% QoQ	$-5K	$24,676 +3.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	30%
CD Concentration	28.3% +11.3% YoY+3.3% QoQ	+3.8%	24.4%	18.2%	19.8%	50%
Indirect Auto %	19.1% -8.7% YoY-4.4% QoQ	+5.3%	13.8%	10.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#78 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.70% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#225 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.91%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.97%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#218 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.06%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 19.11%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.49%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#416 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#204 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $121.60M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.49%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.91%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

181

Asset Growth Rate

growth

Value: 9.06%

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

186

Net Interest Margin (NIM)

profitability

Value: 4.22%

Peer Median: -

#186 of 1069 Top 17.3% in 100M-500M tier

188

First Mortgage Concentration (%)

balance_sheet

Value: 13.74%

Peer Median: -

#188 of 1069 Top 17.5% in 100M-500M tier

189

Deposit Growth Rate

growth

Value: 8.62%

Peer Median: -

#189 of 1069 Top 17.6% in 100M-500M tier

258

Efficiency Ratio

profitability

Value: 69.34%

Peer Median: -

#258 of 1069 Top 24.0% in 100M-500M tier

Top Weaknesses (5 metrics)

946

Loan Growth Rate

growth

Value: -4.91%

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

916

Total Assets

balance_sheet

Value: $121.60M

Peer Median: -

#916 of 1069 Bottom 14.4% in 100M-500M tier

909

Total Deposits

balance_sheet

Value: $105.87M

Peer Median: -

#909 of 1069 Bottom 15.1% in 100M-500M tier

896

Fee Income Per Member

profitability

Value: $103.92

Peer Median: -

#896 of 1069 Bottom 16.3% in 100M-500M tier

871

Total Loans

balance_sheet

Value: $73.75M

Peer Median: -

#871 of 1069 Bottom 18.6% in 100M-500M tier