BlastPoint's Credit Union Scorecard
FIRST MISSOURI
Charter #62716 · MO
FIRST MISSOURI has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 29.3% in tier
- + Net Interest Margin 0.56% above tier average
- + Loan Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 34.1% in tier
- - ROA 0.88% below tier average
- - Efficiency ratio 9.43% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,827
+0.1% YoY-1.2% QoQ
|
-7.6K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$115.2M
+5.8% YoY+1.3% QoQ
|
$-116.7M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.9% in tier |
| Loans |
$92.2M
+13.4% YoY+5.1% QoQ
|
$-55.1M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$102.5M
+7.1% YoY+1.5% QoQ
|
$-98.3M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.4% in tier |
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| ROA |
-0.1%
-130.3% YoY-135.9% QoQ
|
-0.9% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.3% in tier |
| NIM |
4.2%
+6.4% YoY+1.3% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
86.4%
+8.8% YoY+5.0% QoQ
|
+9.4% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.7%
-60.4% YoY-56.2% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
89.9%
+5.9% YoY+3.5% QoQ
|
+17.7% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 14.1% in tier |
| AMR |
$24,880
+9.9% YoY+4.4% QoQ
|
+$204 |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
19.4%
+16.4% YoY+7.1% QoQ
|
-5.0% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
6.6%
+20.4% YoY+7.1% QoQ
|
-7.2% | 13.8% | 10.0% | 7.8% | 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)