BlastPoint's Credit Union Scorecard
FIRST MISSOURI
Charter #62716 · MO
FIRST MISSOURI has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.48% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 6.29% 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 |
7,857
+0.4% YoY+0.4% QoQ
|
-7.3K |
15,145
-2.5% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$121.2M
+6.1% YoY+5.2% QoQ
|
$-110.5M |
$231.7M
+0.8% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.0% in tier |
| Loans |
$94.2M
+12.4% YoY+2.2% QoQ
|
$-49.9M |
$144.1M
+0.2% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$108.9M
+7.4% YoY+6.2% QoQ
|
$-92.2M |
$201.1M
+0.4% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-26.4% YoY-329.9% QoQ
|
-0.5% |
0.7%
+5.1% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
4.1%
+2.7% YoY-1.3% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
84.3%
+6.0% YoY-2.5% QoQ
|
+6.3% |
78.0%
-1.7% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
0.8%
-51.7% YoY+12.1% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
86.5%
+4.7% YoY-3.8% QoQ
|
+16.1% |
70.4%
-0.4% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$25,859
+9.2% YoY+3.9% QoQ
|
+$941 |
$24,918
+2.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
20.6%
+22.0% YoY+6.2% QoQ
|
-3.7% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
4.2%
-21.0% YoY-36.8% QoQ
|
-9.6% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)