BlastPoint's Credit Union Scorecard
PUBLIC SAFETY
Charter #62812 · MO
PUBLIC SAFETY has 5 strengths but faces 3 concerns
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 0.07% above tier average
- + Net Interest Margin 0.83% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
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 +2.5% year over year ($167M in shares and deposits).
- Membership: 13,536 members, +2.1% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 0.93%.
- Efficiency ratio 75.69% vs a 76.73% peer average.
- Loan-to-share ratio 78.88% 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 |
13,536
+2.1% YoY+0.6% QoQ
|
-1.6K |
15,168
-2.6% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$191.4M
+3.4% YoY+0.4% QoQ
|
$-40.6M |
$232.0M
+0.7% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$131.8M
+8.3% YoY+2.3% QoQ
|
$-14.5M |
$146.3M
+0.2% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$167.1M
+2.5% YoY+0.2% QoQ
|
$-33.7M |
$200.7M
+0.2% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
0.9%
-12.4% YoY+12.9% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
4.5%
+1.7% YoY+1.7% QoQ
|
+0.8% |
3.7%
+4.5% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
75.7%
-1.8% YoY-3.7% QoQ
|
-1.0% |
76.7%
-0.8% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
0.4%
+30.6% YoY+100.9% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
27% |
| Loan To Share |
78.9%
+5.7% YoY+2.1% QoQ
|
+7.3% |
71.5%
-0.3% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$22,076
+2.8% YoY+0.6% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
12.0%
+4.9% YoY+2.1% QoQ
|
-12.6% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
6.1%
+28.1% YoY+2.6% QoQ
|
-7.5% | 13.6% | 9.9% | 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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)