BlastPoint's Credit Union Scorecard
PUBLIC SAFETY
Charter #62812 · MO
PUBLIC SAFETY demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.0% in tier
- + Organic Growth Leader: Top 20.3% in tier
- + Credit Quality Leader: Top 36.3% in tier
- + Emerging Performer: Top 70.0% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.93% above tier average
- + Total Delinquency Rate (60+ days): Top 9.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,356
+1.9% YoY+0.8% QoQ
|
-2.3K |
15,628
-3.4% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
49% |
| Assets |
$185.8M
+5.8% YoY+0.4% QoQ
|
$-45.5M |
$231.3M
-0.0% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$125.8M
+5.4% YoY+3.4% QoQ
|
$-22.0M |
$147.8M
-1.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$162.7M
+5.1% YoY-0.2% QoQ
|
$-37.6M |
$200.3M
-0.0% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
1.1%
+1.7% YoY+3.7% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
4.5%
+3.0% YoY+1.7% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 8.7% in tier |
| Efficiency Ratio |
76.4%
+2.3% YoY-0.8% QoQ
|
-0.9% |
77.3%
-3.0% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.2%
-68.3% YoY-38.0% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 9.9% in tier |
| Loan To Share |
77.3%
+0.2% YoY+3.6% QoQ
|
+4.6% |
72.7%
-1.5% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$21,595
+3.3% YoY+0.5% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration |
11.4%
-1.4% YoY-0.0% QoQ
|
-13.0% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.1%
+21.7% YoY+6.4% QoQ
|
-8.9% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)