BlastPoint's Credit Union Scorecard
FIRST MISSOURI
Charter #62716 · MO
FIRST MISSOURI has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.38% above tier average
- + AMR Growth Rate: Top 6.1% in tier
- + Loan Growth Rate: Top 6.4% in tier
- + Deposit Growth Rate: Top 6.7% in tier
- + Asset Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 7.67% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
- Shares and deposits +10.8% year over year ($112M in shares and deposits).
- Membership: 7,900 members, +0.6% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 0.31%.
- Efficiency ratio 84.40% vs a 76.73% peer average.
- Loan-to-share ratio 88.64% vs a 71.54% 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 |
7,900
+0.6% YoY+0.5% QoQ
|
-7.3K |
15,168
-2.6% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$125.1M
+10.4% YoY+3.3% QoQ
|
$-106.9M |
$232.0M
+0.7% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$99.2M
+15.8% YoY+5.3% QoQ
|
$-47.0M |
$146.3M
+0.2% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$111.9M
+10.8% YoY+2.8% QoQ
|
$-88.8M |
$200.7M
+0.2% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.3%
-6.3% YoY+12.7% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
4.1%
+0.6% YoY-1.1% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
84.4%
+3.7% YoY+0.1% QoQ
|
+7.7% |
76.7%
-0.8% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.8%
-44.8% YoY+1.5% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
88.6%
+4.6% YoY+2.5% QoQ
|
+17.1% |
71.5%
-0.3% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$26,730
+12.4% YoY+3.4% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
21.2%
+21.2% YoY+3.1% QoQ
|
-3.3% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
3.7%
-37.5% YoY-11.1% QoQ
|
-9.9% | 13.6% | 9.9% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)