BlastPoint's Credit Union Scorecard
PUBLIC SAFETY
Charter #62812 · MO
PUBLIC SAFETY demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 37.5% in tier
- + Organic Growth Leader: Top 60.5% in tier
- + Emerging Performer: Top 61.3% in tier
- + ROA 0.41% above tier average
- + Net Interest Margin 0.96% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,387
+2.0% YoY+0.2% QoQ
|
-2.1K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$185.2M
+4.3% YoY-0.3% QoQ
|
$-46.6M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$128.1M
+7.0% YoY+1.9% QoQ
|
$-19.2M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$161.6M
+2.9% YoY-0.7% QoQ
|
$-39.2M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
1.2%
+8.5% YoY+6.5% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
4.6%
+2.8% YoY+1.1% QoQ
|
+1.0% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Top 8.1% in tier |
| Efficiency Ratio |
74.8%
+1.4% YoY-2.1% QoQ
|
-2.2% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.4%
-8.7% YoY+107.5% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
79.3%
+4.1% YoY+2.5% QoQ
|
+7.0% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$21,642
+2.6% YoY+0.2% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
11.8%
+2.0% YoY+3.0% QoQ
|
-12.7% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
5.5%
+24.9% YoY+9.1% QoQ
|
-8.3% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
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.
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)