BlastPoint's Credit Union Scorecard
ASSEMBLIES OF GOD
Charter #62897 · MO
ASSEMBLIES OF GOD has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Total Loans: Top 2.2% in tier
- + Loan-to-Member Ratio (LMR): Top 4.5% in tier
- + Loan-to-Share Ratio: Top 5.4% in tier
- + Total Assets: Top 5.6% in tier
- + Average Member Relationship (AMR): Top 6.6% in tier
- + Net Charge-Off Rate: Top 8.5% in tier
- + Total Deposits: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 10.70% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - First Mortgage Concentration (%): Bottom 6.4% in tier
- - Net Interest Margin (NIM): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,080
-0.5% YoY-1.7% QoQ
|
+2.6K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$440.7M
+0.5% YoY+2.0% QoQ
|
+$208.8M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 5.7% in tier |
| Loans |
$343.3M
-0.3% YoY+2.3% QoQ
|
+$195.9M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 2.3% in tier |
| Deposits |
$356.2M
+2.3% YoY-0.1% QoQ
|
+$155.4M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Top 9.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-24.8% YoY-14.7% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
2.6%
+14.9% YoY+1.0% QoQ
|
-1.0% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
87.7%
+6.3% YoY+1.4% QoQ
|
+10.7% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate |
1.3%
-14.2% YoY-0.1% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
96.4%
-2.5% YoY+2.4% QoQ
|
+24.1% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 5.5% in tier |
| AMR |
$38,691
+1.5% YoY+2.9% QoQ
|
+$14K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 6.7% in tier |
| CD Concentration |
30.0%
-15.4% YoY-5.9% QoQ
|
+5.6% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
1.1%
-43.3% YoY-16.2% QoQ
|
-12.7% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)