BlastPoint's Credit Union Scorecard
NORTHWEST MISSOURI REGIONAL
Charter #62611 · MO
NORTHWEST MISSOURI REGIONAL has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.59% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Efficiency ratio 3.53% above tier (higher cost structure)
- - Member decline: -3.8% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits +2.6% year over year ($9.8M in shares and deposits).
- Membership: 2,254 members, -3.8% vs a year ago.
- Delinquency rate 0.18%.
- Return on assets 0.47%.
- Efficiency ratio 92.30% vs a 88.77% peer average.
- Loan-to-share ratio 75.75% vs a 58.89% 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 |
2,254
-3.8% YoY-1.7% QoQ
|
-331 |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$11.2M
+2.8% YoY-3.6% QoQ
|
$-19.1M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$7.4M
-2.9% YoY+1.5% QoQ
|
$-8.0M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$9.8M
+2.6% YoY-4.1% QoQ
|
$-16.0M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.5%
-29.4% YoY-37.4% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
5.5%
-2.6% YoY+1.6% QoQ
|
+1.6% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Top 6.2% in tier |
| Efficiency Ratio |
92.3%
+3.7% YoY+4.6% QoQ
|
+3.5% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
0.2%
-44.8% YoY-53.8% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
75.8%
-5.3% YoY+5.8% QoQ
|
+16.9% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$7,639
+4.2% YoY-0.1% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
8.4%
-20.8% YoY-0.7% QoQ
|
-16.2% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)