BlastPoint's Credit Union Scorecard
NEIGHBORS
Charter #62905 · MO
NEIGHBORS has 4 strengths but faces 7 concerns
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How does MO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 11.5% in tier
- + Net Interest Margin 0.26% above tier average
- + AMR Growth Rate: Top 4.1% in tier
- + Loan Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 13.8% in tier
- - Membership Headwinds: Bottom 22.2% in tier
- - Stagnation Risk: Bottom 31.5% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 1.77% above tier (higher cost structure)
- - Delinquency rate 0.54% above tier average
- - Net Charge-Off Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,433
-1.7% YoY+0.7% QoQ
|
+8.7K |
39,752
-2.7% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$566.4M
+8.7% YoY+2.3% QoQ
|
$-56.0M |
$622.4M
+0.3% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$431.2M
+14.8% YoY+2.0% QoQ
|
$-4.7M |
$435.9M
-0.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$498.4M
+9.4% YoY+2.2% QoQ
|
$-39.7M |
$538.0M
+1.3% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.2%
-394.8% YoY-33.4% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
3.7%
+7.5% YoY+0.0% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
79.9%
-7.7% YoY-0.8% QoQ
|
+1.8% |
78.1%
-3.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.3%
-33.7% YoY-4.4% QoQ
|
+0.5 |
0.8%
-4.9% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
86.5%
+5.0% YoY-0.2% QoQ
|
+5.5% |
81.0%
-1.8% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$19,193
+13.7% YoY+1.4% QoQ
|
$-7K |
$26,482
+2.6% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.7% in tier |
| CD Concentration |
34.8%
+14.4% YoY+5.0% QoQ
|
+10.4% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
84% |
| Indirect Auto % |
17.3%
-29.8% YoY-5.5% QoQ
|
+3.4% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
66% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)