BlastPoint's Credit Union Scorecard
NEIGHBORS
Charter #62905 · MO
NEIGHBORS has 3 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does MO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 28.1% in tier
- + Net Interest Margin 0.31% above tier average
- + AMR Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 54.4% in tier
- - Stagnation Risk: Bottom 68.0% in tier
- - Indirect Auto Dependency: Bottom 78.4% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 1.20% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - Member decline: -2.4% YoY
- - Net Charge-Off Rate: Bottom 8.5% in tier
- - Average Member Relationship (AMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,972
-2.4% YoY-1.0% QoQ
|
+9.4K |
38,575
-4.8% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 14.5% in tier |
| Assets |
$560.9M
+5.3% YoY-1.0% QoQ
|
$-60.8M |
$621.7M
+0.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$437.8M
+9.6% YoY+1.5% QoQ
|
+$8.0M |
$429.8M
-1.8% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$494.1M
+5.4% YoY-0.8% QoQ
|
$-44.6M |
$538.7M
+0.6% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.2%
+484.6% YoY+12.9% QoQ
|
-0.4% |
0.7%
+42.9% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.8%
+9.6% YoY+1.7% QoQ
|
+0.3% |
3.4%
+8.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
78.7%
-7.4% YoY-1.4% QoQ
|
+1.2% |
77.5%
-4.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.2%
-39.8% YoY-9.1% QoQ
|
+0.4 |
0.8%
-1.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
88.6%
+3.9% YoY+2.4% QoQ
|
+8.8% |
79.8%
-2.3% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$19,427
+10.0% YoY+1.2% QoQ
|
$-7K |
$26,849
+2.7% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.1% in tier |
| CD Concentration |
34.7%
+10.8% YoY-0.3% QoQ
|
+10.2% | 24.4% | 18.2% | 19.8% | 84% |
| Indirect Auto % |
15.5%
-30.2% YoY-10.9% QoQ
|
+1.7% | 13.8% | 10.0% | 7.8% | 63% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)