BlastPoint's Credit Union Scorecard
TOGETHER
Charter #62715 · MO
TOGETHER has 4 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does MO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Total Loans: Top 3.3% in tier
- + Total Assets: Top 7.3% in tier
- + Total Deposits: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 32.0% in tier
- - Indirect Auto Dependency: Bottom 74.5% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Missouri.
- Shares and deposits +2.9% year over year ($2.35B in shares and deposits).
- Membership: 148,447 members, +2.7% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 0.81%.
- Efficiency ratio 72.02% vs a 73.02% peer average.
- Loan-to-share ratio 93.57% vs a 84.71% 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 |
148,447
+2.7% YoY+0.7% QoQ
|
+51.6K |
96,861
-1.9% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 12.3% in tier |
| Assets |
$2.7B
+2.5% YoY+0.3% QoQ
|
+$1.0B |
$1.7B
+0.4% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Top 7.7% in tier |
| Loans |
$2.2B
+6.7% YoY+1.9% QoQ
|
+$964.3M |
$1.2B
+0.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Top 3.7% in tier |
| Deposits |
$2.3B
+2.9% YoY+0.2% QoQ
|
+$886.3M |
$1.5B
+0.5% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 8.3% in tier |
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| ROA |
0.8%
+126.5% YoY+191.1% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.5%
+11.3% YoY+2.4% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
72.0%
-9.3% YoY-9.5% QoQ
|
-1.0% |
73.0%
-2.7% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
0.5%
-17.1% YoY-19.4% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
93.6%
+3.7% YoY+1.6% QoQ
|
+8.9% |
84.7%
+0.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$30,639
+2.0% YoY+0.4% QoQ
|
+$1K |
$29,575
+1.5% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
63% |
| CD Concentration |
25.8%
+3.6% YoY+4.6% QoQ
|
-3.3% | 29.1% | 18.3% | 20.0% | 36% |
| Indirect Auto % |
27.4%
-4.2% YoY+0.1% QoQ
|
+9.3% | 18.1% | 9.9% | 7.7% | 73% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)