BlastPoint's Credit Union Scorecard

BURLINGTON NORTHTOWN COMMUNITY

Charter #62895 · MO

2556 CUs in <100M nationally 60 in MO

BURLINGTON NORTHTOWN COMMUNITY has 2 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.48% above tier average
  • + Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

  • - Member decline: -4.0% YoY

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 1,238
-4.0% YoY-2.0% QoQ
-1.4K 2,615
-1.9% YoY
15,911
+2.9% YoY
33,374
+5.7% YoY
34%
Assets $15.4M
+1.0% YoY+0.3% QoQ
$-14.7M $30.1M
+2.1% YoY
$212.3M
+9.5% YoY
$561.6M
+9.7% YoY
41%
Loans $8.3M
+0.1% YoY+0.6% QoQ
$-7.5M $15.8M
-1.3% YoY
$149.4M
+8.7% YoY
$397.0M
+8.8% YoY
46%
Deposits $12.0M
+0.0% YoY+0.1% QoQ
$-13.6M $25.7M
+1.4% YoY
$185.2M
+10.6% YoY
$477.3M
+9.7% YoY
40%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.1%
-2.5% YoY-35.2% QoQ
+0.5% 0.6%
+10.8% YoY
0.7%
+53.7% YoY
0.7%
+15.9% YoY
70%
NIM 4.3%
+2.7% YoY-9.3% QoQ
+0.4% 4.0%
+4.0% YoY
3.8%
+3.0% YoY
3.8%
+5.1% YoY
67%
Efficiency Ratio 77.5%
+1.1% YoY+13.9% QoQ
-5.1% 82.6%
-2.3% YoY
77.6%
-5.0% YoY
79.7%
-3.3% YoY
45%
Delinquency Rate 0.9%
+30.2% YoY-14.9% QoQ
-0.6 1.6%
-3.1% YoY
1.3%
+20.7% YoY
1.3%
-2.1% YoY
57%
Loan To Share 68.8%
+0.1% YoY+0.5% QoQ
+8.2% 60.6%
-3.1% YoY
71.1%
-4.0% YoY
67.4%
-1.7% YoY
62%
AMR $16,426
+4.3% YoY+2.3% QoQ
+$2K $14,783
-1.4% YoY
$16,896
+3.0% YoY
$19,687
+2.0% YoY
64%
CD Concentration 5.8%
+804.0% YoY+11.2% QoQ
-18.7% 24.4% 18.2% 19.8% 50%
Indirect Auto % 3.3%
-45.7% YoY-15.9% QoQ
-10.5% 13.8% 10.0% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2556 peers in tier

Top Strengths (2 metrics)

518
Net Worth Ratio
risk
Value: 20.69%
Peer Median: -
#518 of 2556 Top 20.2% in <100M tier
539
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: -
#539 of 2556 Top 21.0% in <100M tier

Top Weaknesses (2 metrics)

2242
Indirect Auto Concentration (%)
balance_sheet
Value: 3.29%
Peer Median: -
#2242 of 2556 Bottom 12.3% in <100M tier
1966
Member Growth Rate
growth
Value: -4.03%
Peer Median: -
#1966 of 2556 Bottom 23.1% in <100M tier
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