BlastPoint's Credit Union Scorecard
ASSEMBLIES OF GOD
Charter #62897 · MO
1077 CUs in 100M-500M nationally
24 in MO
ASSEMBLIES OF GOD has 9 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 28.1% in tier
- + Organic Growth Engine: Top 30.7% in tier
- + Total Loans: Top 2.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.0% in tier
- + Total Assets: Top 6.3% in tier
- + Average Member Relationship (AMR): Top 6.7% in tier
- + Net Charge-Off Rate: Top 7.3% in tier
- + Loan-to-Share Ratio: Top 8.6% in tier
- + Total Deposits: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.6% in tier
- - Liquidity Strain: Bottom 26.2% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 9.23% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - Net Interest Margin (NIM): Bottom 6.7% in tier
- - First Mortgage Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,402
+1.0% YoY+0.2% QoQ
|
+2.8K |
15,628
-3.4% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$432.3M
-0.6% YoY-1.5% QoQ
|
+$201.0M |
$231.3M
-0.0% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 6.4% in tier |
| Loans |
$335.5M
-2.6% YoY-1.4% QoQ
|
+$187.7M |
$147.8M
-1.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 2.8% in tier |
| Deposits |
$356.4M
+3.8% YoY-0.4% QoQ
|
+$156.1M |
$200.3M
-0.0% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 9.0% in tier |
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| ROA |
0.4%
-9.0% YoY-3.6% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
2.5%
+14.4% YoY+2.8% QoQ
|
-1.1% |
3.6%
+6.9% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
86.5%
+4.2% YoY+1.6% QoQ
|
+9.2% |
77.3%
-3.0% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
1.3%
-7.7% YoY+21.4% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
94.1%
-6.1% YoY-1.0% QoQ
|
+21.4% |
72.7%
-1.5% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 8.7% in tier |
| AMR |
$37,603
-0.4% YoY-1.1% QoQ
|
+$13K |
$24,363
+2.9% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Top 6.8% in tier |
| CD Concentration |
31.9%
-3.5% YoY-3.8% QoQ
|
+7.5% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.3%
-39.9% YoY-12.6% QoQ
|
-12.7% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growth
#371 of 430 • Top 28.1% in tier
Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.96%
(Tier:
0.88%, National:
9.37%)
Indirect Auto %:
1.31%
(Tier:
13.97%, National:
7.90%)
430 of 1077 Community CUs have this signature |
608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#563 of 603 • Top 30.7% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.96%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.43%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
1.31%
(Tier:
13.97%, National:
7.90%)
603 of 1077 Community CUs have this signature |
917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Concerns (2)
Efficiency Drag
risk
#65 of 521 • Bottom 3.6% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
86.51%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-0.04% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
0.96%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature |
624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Liquidity Strain
risk
#204 of 258 • Bottom 26.2% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
94.14%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
-2.60%
(Tier:
3.65%, National:
36.38%)
258 of 1077 Community CUs have this signature |
484 nationally
↓ Shrinking
-28 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)
Top Strengths (8 metrics)
30
Total Loans
balance_sheet
Value:
$335.54M
Peer Avg: -
#30 of 1077
Top 2.7% in 100M-500M tier
55
Loan-to-Member Ratio (LMR)
engagement
Value:
$18,234
Peer Avg: -
#55 of 1077
Top 5.0% in 100M-500M tier
69
Total Assets
balance_sheet
Value:
$432.27M
Peer Avg: -
#69 of 1077
Top 6.3% in 100M-500M tier
73
Average Member Relationship (AMR)
engagement
Value:
$37,603
Peer Avg: -
#73 of 1077
Top 6.7% in 100M-500M tier
80
Net Charge-Off Rate
risk
Value:
0.05%
Peer Avg: -
#80 of 1077
Top 7.3% in 100M-500M tier
94
Loan-to-Share Ratio
balance_sheet
Value:
94.14%
Peer Avg: -
#94 of 1077
Top 8.6% in 100M-500M tier
97
Total Deposits
balance_sheet
Value:
$356.43M
Peer Avg: -
#97 of 1077
Top 8.9% in 100M-500M tier
182
Fee Income Per Member
profitability
Value:
$235.76
Peer Avg: -
#182 of 1077
Top 16.8% in 100M-500M tier
Top Weaknesses (9 metrics)
1006
Net Interest Margin (NIM)
profitability
Value:
2.53%
Peer Avg: -
#1006 of 1077
Bottom 6.7% in 100M-500M tier
1006
First Mortgage Concentration (%)
balance_sheet
Value:
58.43%
Peer Avg: -
#1006 of 1077
Bottom 6.7% in 100M-500M tier
946
Net Worth Ratio
risk
Value:
8.94%
Peer Avg: -
#946 of 1077
Bottom 12.3% in 100M-500M tier
910
Asset Growth Rate
growth
Value:
-0.64%
Peer Avg: -
#910 of 1077
Bottom 15.6% in 100M-500M tier
877
Efficiency Ratio
profitability
Value:
86.51%
Peer Avg: -
#877 of 1077
Bottom 18.7% in 100M-500M tier
871
AMR Growth Rate
growth
Value:
-0.38%
Peer Avg: -
#871 of 1077
Bottom 19.2% in 100M-500M tier
871
Total Delinquency Rate (60+ days)
risk
Value:
1.31%
Peer Avg: -
#871 of 1077
Bottom 19.2% in 100M-500M tier
832
Loan Growth Rate
growth
Value:
-2.60%
Peer Avg: -
#832 of 1077
Bottom 22.8% in 100M-500M tier
832
Share Certificate Concentration (%)
balance_sheet
Value:
31.88%
Peer Avg: -
#832 of 1077
Bottom 22.8% in 100M-500M tier