BlastPoint's Credit Union Scorecard

ASSEMBLIES OF GOD

Charter #62897 · MO

100M-500M

1070 CUs in 100M-500M nationally 25 in MO

ASSEMBLIES OF GOD has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Total Loans: Top 2.3% in tier
+ Loan-to-Member Ratio (LMR): Top 4.7% in tier
+ Total Assets: Top 5.0% in tier
+ Average Member Relationship (AMR): Top 6.4% in tier
+ Total Deposits: Top 7.2% in tier
+ Net Charge-Off Rate: Top 9.1% in tier
+ Loan-to-Share Ratio: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 9.37% 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	18,127 -0.7% YoY+0.3% QoQ	+3.0K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	70%
Assets	$446.7M +1.5% YoY+1.4% QoQ	+$215.0M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	Top 5.1% in tier
Loans	$336.9M -1.5% YoY-1.9% QoQ	+$192.7M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	Top 2.4% in tier
Deposits	$369.9M +3.8% YoY+3.8% QoQ	+$168.7M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	Top 7.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +8.2% YoY+33.0% QoQ	-0.2%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	35%
NIM	2.6% +9.7% YoY+0.1% QoQ	-1.1%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	Bottom 5.3% in tier
Efficiency Ratio	87.4% +4.6% YoY-0.4% QoQ	+9.4%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	1.6% +45.7% YoY+20.5% QoQ	+0.8	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	Bottom 9.8% in tier
Loan To Share	91.1% -5.1% YoY-5.5% QoQ	+20.7%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	Top 9.9% in tier
AMR	$38,988 +1.9% YoY+0.8% QoQ	+$14K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	Top 6.5% in tier
CD Concentration	28.5% -18.7% YoY-5.1% QoQ	+4.2%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.9% -44.9% YoY-13.9% QoQ	-12.9%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#237 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.92%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $4.2K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk

#36 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.39%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.04% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#116 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.50% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Stagnation Risk

risk

#310 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.51%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.58%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#217 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $446.68M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -0.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.51%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#540 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#178 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.07%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -1.51%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $336.86M

Peer Median: $121.41M

#26 of 1070 Top 2.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,583

Peer Median: $9,356

#51 of 1070 Top 4.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $446.68M

Peer Median: $196.57M

#55 of 1070 Top 5.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $38,988

Peer Median: $22,931

#70 of 1070 Top 6.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $369.87M

Peer Median: $171.29M

#78 of 1070 Top 7.2% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: 0.35%

#98 of 1070 Top 9.1% in 100M-500M tier

106

Loan-to-Share Ratio

balance_sheet

Value: 91.07%

Peer Median: 71.88%

#106 of 1070 Top 9.8% in 100M-500M tier

116

Fee Income Per Member

profitability

Value: $249.02

Peer Median: $154.95

#116 of 1070 Top 10.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1013

Net Interest Margin (NIM)

profitability

Value: 2.56%

Peer Median: 3.62%

#1013 of 1070 Bottom 5.4% in 100M-500M tier

997

First Mortgage Concentration (%)

balance_sheet

Value: 57.81%

Peer Median: 29.47%

#997 of 1070 Bottom 6.9% in 100M-500M tier

966

Total Delinquency Rate (60+ days)

risk

Value: 1.58%

Peer Median: 0.61%

#966 of 1070 Bottom 9.8% in 100M-500M tier

951

Net Worth Ratio

risk

Value: 8.78%

Peer Median: 11.45%

#951 of 1070 Bottom 11.2% in 100M-500M tier

841

Efficiency Ratio

profitability

Value: 87.39%

Peer Median: 78.68%

#841 of 1070 Bottom 21.5% in 100M-500M tier