BlastPoint's Credit Union Scorecard

TOGETHER

Charter #62715 · MO

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 3 in MO

View Mid-Market leaderboard →

TOGETHER has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.07% above tier average
+ Total Loans: Top 3.6% in tier
+ Total Assets: Top 6.5% in tier
+ Total Deposits: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 31.1% in tier
- Credit Risk Growth: Bottom 35.3% in tier
- Credit Quality Pressure: Bottom 36.3% in tier
- Indirect Auto Dependency: Bottom 58.4% in tier
- ROA 0.44% below tier average
- Efficiency ratio 4.92% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	147,485 +3.0% YoY+1.3% QoQ	+51.4K	96,048 -2.7% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	Top 12.4% in tier
Assets	$2.7B +4.2% YoY+2.2% QoQ	+$1.0B	$1.7B +0.4% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	Top 6.9% in tier
Loans	$2.2B +7.9% YoY-0.1% QoQ	+$943.9M	$1.2B +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	Top 3.9% in tier
Deposits	$2.3B +4.9% YoY+2.9% QoQ	+$878.4M	$1.5B +0.5% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	Top 7.8% 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	0.3% +73.3% YoY-49.1% QoQ	-0.4%	0.7% +27.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	Bottom 14.1% in tier
NIM	3.4% +9.2% YoY+3.2% QoQ	+0.1%	3.4% +6.2% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	53%
Efficiency Ratio	79.6% -5.2% YoY+4.9% QoQ	+4.9%	74.6% -3.0% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.7% +14.6% YoY-14.7% QoQ	-0.1	0.8% +6.9% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	54%
Loan To Share	92.1% +2.8% YoY-2.9% QoQ	+8.9%	83.2% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	72%
AMR	$30,523 +3.2% YoY+0.2% QoQ	+$871	$29,652 +2.3% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	62%
CD Concentration	24.6% -0.2% YoY-2.7% QoQ	-4.2%	28.8%	18.1%	19.8%	31%
Indirect Auto %	27.4% -2.5% YoY+0.4% QoQ	+9.3%	18.1%	9.8%	7.7%	73%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Risk Growth

risk

#92 of 183 • Bottom 35.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.85%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#138 of 225 • Bottom 36.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#130 of 198 • Bottom 58.4% in tier

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

Why This Signature

Asset Growth (YoY): 4.21%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 27.38%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.98%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#100 of 148 • Bottom 31.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.05%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.85%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | 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 306 peers in tier

Top Strengths (4 metrics)

Total Loans

balance_sheet

Value: $2.16B

Peer Median: $1.11B

#12 of 306 Top 3.6% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.72B

Peer Median: $1.51B

#21 of 306 Top 6.5% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.34B

Peer Median: $1.31B

#24 of 306 Top 7.5% in 1B-3B tier

Total Members

engagement

Value: 147,485

Peer Median: 85,918

#38 of 306 Top 12.1% in 1B-3B tier

Top Weaknesses (2 metrics)

263

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: 0.66%

#263 of 306 Bottom 14.4% in 1B-3B tier

247

Net Worth Ratio

risk

Value: 9.36%

Peer Median: 10.85%

#247 of 306 Bottom 19.6% in 1B-3B tier