BlastPoint's Credit Union Scorecard
TOGETHER
Charter #62715 · MO
TOGETHER has 5 strengths but faces 7 concerns
How does the industry compare?
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How does MO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 30.8% in tier
- + Wallet Share Momentum: Top 70.4% in tier
- + Total Loans: Top 5.6% in tier
- + Total Assets: Top 9.2% in tier
- + Total Deposits: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.8% in tier
- - Liquidity Strain: Bottom 16.6% in tier
- - Flatlined Growth: Bottom 17.1% in tier
- - Credit Quality Pressure: Bottom 21.0% in tier
- - Indirect Auto Dependency: Bottom 27.9% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 2.83% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
145,136
+2.2% YoY+0.4% QoQ
|
+46.5K |
98,678
-1.9% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 14.5% in tier |
| Assets |
$2.6B
-0.5% YoY-0.9% QoQ
|
+$921.5M |
$1.7B
+0.5% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 9.5% in tier |
| Loans |
$2.1B
+10.7% YoY+3.1% QoQ
|
+$891.3M |
$1.2B
+0.5% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 5.9% in tier |
| Deposits |
$2.3B
+7.0% YoY-1.4% QoQ
|
+$796.8M |
$1.5B
+1.3% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 10.2% in tier |
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| ROA |
0.5%
+28.0% YoY+36.0% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
3.2%
+14.4% YoY+3.1% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
76.8%
-4.8% YoY-3.2% QoQ
|
+2.8% |
74.0%
-10.9% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.7%
+8.7% YoY+2.1% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
94.4%
+3.5% YoY+4.6% QoQ
|
+9.2% |
85.2%
-0.8% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$30,148
+6.3% YoY+0.3% QoQ
|
+$975 |
$29,172
+2.8% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
24.1%
-5.5% YoY-3.0% QoQ
|
-4.8% |
29.0%
+0.7% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
28% |
| Indirect Auto % |
28.0%
+1.1% YoY-2.1% QoQ
|
+9.2% |
18.8%
-3.0% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
72% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)