BlastPoint's Credit Union Scorecard

NEIGHBORS

Charter #62905 · MO

Community 500M-750M
167 CUs in 500M-750M nationally 1 in MO
View Community leaderboard →

NEIGHBORS has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 44.2% in tier
  • + Organic Growth Engine: Top 44.2% in tier
  • + Net Interest Margin 0.39% above tier average

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.47% above tier average
  • - Net Charge-Off Rate: Bottom 5.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 47,638
+0.7% YoY-0.7% QoQ
 +9.6K 38,079
-4.8% YoY
 15,395
-0.3% YoY
 33,913
+5.7% YoY
 Top 13.8% in tier
Assets $571.9M
+5.1% YoY+2.0% QoQ
 $-47.7M $619.7M
-0.2% YoY
 $217.9M
+8.5% YoY
 $578.3M
+9.0% YoY
 32%
Loans $427.3M
+3.6% YoY-2.4% QoQ
 +$7.9M $419.3M
-1.4% YoY
 $149.6M
+7.9% YoY
 $402.4M
+8.7% YoY
 50%
Deposits $503.4M
+5.1% YoY+1.9% QoQ
 $-36.1M $539.5M
-0.1% YoY
 $190.9M
+9.2% YoY
 $494.3M
+9.1% YoY
 33%

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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 0.7%
+48.6% YoY+177.3% QoQ
 +0.0% 0.7%
+36.0% YoY
 -0.4%
-263.3% YoY
 0.4%
-39.2% YoY
 57%
NIM 3.9%
+5.0% YoY+2.7% QoQ
 +0.4% 3.5%
+4.5% YoY
 3.9%
+2.8% YoY
 3.8%
+4.1% YoY
 78%
Efficiency Ratio 75.7%
-5.8% YoY-3.8% QoQ
 -2.7% 78.4%
-3.7% YoY
 82.5%
-4.9% YoY
 84.6%
+2.8% YoY
 35%
Delinquency Rate 1.2%
-33.2% YoY-3.3% QoQ
 +0.5 0.7%
-0.9% YoY
 1.1%
+7.9% YoY
 1.2%
+3.4% YoY
 84%
Loan To Share 84.9%
-1.4% YoY-4.2% QoQ
 +7.2% 77.7%
-1.2% YoY
 68.7%
-4.0% YoY
 65.6%
-1.4% YoY
 66%
AMR $19,536
+3.7% YoY+0.6% QoQ
 $-7K $26,927
+3.1% YoY
 $17,151
+1.8% YoY
 $19,920
+1.6% YoY
 Bottom 10.8% in tier
CD Concentration 34.7%
+9.0% YoY-0.1% QoQ
 +10.4% 24.3% 18.1% 19.8% 84%
Indirect Auto % 14.4%
-29.1% YoY-6.6% QoQ
 +0.6% 13.8% 9.8% 7.7% 61%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#351 of 371 • Top 44.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.66%
(Tier: 0.72%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 14.43%
(Tier: 13.80%, National: 7.73%)
but worse than tier avg
518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#342 of 352 • Top 44.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.66%
(Tier: 0.72%, National: 10.19%)
but worse than tier avg
Return on Assets: 0.69%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 14.43%
(Tier: 13.80%, National: 7.73%)
but worse than tier avg
499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (0)

No concerns identified

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)

Comparing against 167 peers in tier

Top Strengths (5 metrics)

23
Total Members
engagement
Value: 47,638
Peer Median: 36,874
#23 of 167 Top 13.2% in 500M-750M tier
34
Members Per Employee (MPE)
engagement
Value: 387.301
Peer Median: 318.730
#34 of 167 Top 19.8% in 500M-750M tier
37
Net Interest Margin (NIM)
profitability
Value: 3.86%
Peer Median: 3.48%
#37 of 167 Top 21.6% in 500M-750M tier
40
Net Worth Ratio
risk
Value: 12.38%
Peer Median: 10.35%
#40 of 167 Top 23.4% in 500M-750M tier
42
Fee Income Per Member
profitability
Value: $234.58
Peer Median: $178.80
#42 of 167 Top 24.6% in 500M-750M tier

Top Weaknesses (5 metrics)

159
Net Charge-Off Rate
risk
Value: 1.12%
Peer Median: 0.39%
#159 of 167 Bottom 5.4% in 500M-750M tier
149
Average Member Relationship (AMR)
engagement
Value: $19,536
Peer Median: $25,600
#149 of 167 Bottom 11.4% in 500M-750M tier
142
Total Delinquency Rate (60+ days)
risk
Value: 1.18%
Peer Median: 0.62%
#142 of 167 Bottom 15.6% in 500M-750M tier
137
Share Certificate Concentration (%)
balance_sheet
Value: 34.65%
Peer Median: 26.29%
#137 of 167 Bottom 18.6% in 500M-750M tier
129
Loan-to-Member Ratio (LMR)
engagement
Value: $8,969
Peer Median: $11,231
#129 of 167 Bottom 23.4% in 500M-750M tier
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