BlastPoint's Credit Union Scorecard
PUBLIC SAFETY
Charter #62812 · MO
PUBLIC SAFETY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.81% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.59% 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 |
13,461
+2.1% YoY+0.6% QoQ
|
-1.7K |
15,145
-2.5% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$190.6M
+3.6% YoY+2.9% QoQ
|
$-41.1M |
$231.7M
+0.8% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$128.8M
+6.4% YoY+0.5% QoQ
|
$-15.4M |
$144.1M
+0.2% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
54% |
| Deposits |
$166.7M
+2.5% YoY+3.2% QoQ
|
$-34.4M |
$201.1M
+0.4% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
48% |
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| ROA |
0.8%
-5.5% YoY-29.8% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
4.4%
+0.7% YoY-2.7% QoQ
|
+0.8% |
3.6%
+4.6% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
78.6%
-1.2% YoY+5.1% QoQ
|
+0.6% |
78.0%
-1.7% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.2%
-14.7% YoY-49.5% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Top 13.1% in tier |
| Loan To Share |
77.3%
+3.8% YoY-2.6% QoQ
|
+6.8% |
70.4%
-0.4% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$21,950
+2.1% YoY+1.4% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
11.7%
+5.4% YoY-0.2% QoQ
|
-12.5% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
6.0%
+29.3% YoY+7.6% QoQ
|
-7.9% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (3)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (0)
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)