BlastPoint's Credit Union Scorecard
NORTHWEST MISSOURI REGIONAL
Charter #62611 · MO
NORTHWEST MISSOURI REGIONAL has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.68% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.54% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,303
-1.1% YoY-0.7% QoQ
|
-312 |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$11.2M
+7.8% YoY-0.1% QoQ
|
$-19.0M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$7.4M
+3.1% YoY-3.4% QoQ
|
$-8.4M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$9.8M
+8.5% YoY+1.0% QoQ
|
$-15.9M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.6%
-43.2% YoY-31.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
5.6%
-7.7% YoY-0.8% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Top 6.0% in tier |
| Efficiency Ratio |
90.1%
+9.4% YoY+4.1% QoQ
|
+7.5% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.2%
-80.5% YoY+47.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
75.3%
-4.9% YoY-4.4% QoQ
|
+14.7% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$7,458
+7.3% YoY-0.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
8.4%
-1.4% YoY-6.2% QoQ
|
-16.0% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 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)