BlastPoint's Credit Union Scorecard
TOGETHER
Charter #62715 · MO
TOGETHER has 6 strengths but faces 6 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
- + Wallet Share Momentum: Top 83.6% in tier
- + Organic Growth Engine: Top 88.6% in tier
- + Net Interest Margin 0.04% above tier average
- + Total Loans: Top 4.0% in tier
- + Total Assets: Top 7.6% in tier
- + Total Deposits: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39.4% in tier
- - Credit Risk Growth: Bottom 50.3% in tier
- - Indirect Auto Dependency: Bottom 53.9% in tier
- - Credit Quality Pressure: Bottom 73.8% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 1.79% 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 |
145,653
+2.4% YoY+0.4% QoQ
|
+48.2K |
97,431
-2.4% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 13.9% in tier |
| Assets |
$2.7B
+5.4% YoY+0.9% QoQ
|
+$940.9M |
$1.7B
+0.9% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 7.9% in tier |
| Loans |
$2.2B
+10.3% YoY+1.6% QoQ
|
+$924.8M |
$1.2B
+0.5% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 4.3% in tier |
| Deposits |
$2.3B
+6.6% YoY+1.2% QoQ
|
+$818.2M |
$1.5B
+0.9% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Top 8.9% in tier |
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| ROA |
0.5%
+117.2% YoY+12.3% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.3%
+12.9% YoY+2.0% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
75.8%
-9.0% YoY-1.2% QoQ
|
+1.8% |
74.1%
-9.5% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.8%
+9.2% YoY+18.1% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
94.8%
+3.4% YoY+0.5% QoQ
|
+10.0% |
84.8%
-0.8% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$30,461
+5.8% YoY+1.0% QoQ
|
+$1K |
$29,428
+2.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
25.3%
-1.3% YoY+5.0% QoQ
|
-3.7% | 29.0% | 18.2% | 19.8% | 35% |
| Indirect Auto % |
27.3%
-1.5% YoY-2.6% QoQ
|
+9.0% | 18.3% | 10.0% | 7.8% | 71% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)