BlastPoint's Credit Union Scorecard
NEIGHBORS
Charter #62905 · MO
NEIGHBORS has 2 strengths but faces 6 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 26.3% in tier
- + Net Interest Margin 0.37% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 86.0% in tier
- - Membership Headwinds: Bottom 86.0% in tier
- - ROA 0.09% below tier average
- - Delinquency rate 0.41% above tier average
- - Member decline: -3.8% YoY
- - Net Charge-Off Rate: Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Missouri.
- Shares and deposits +3.3% year over year ($503M in shares and deposits).
- Membership: 46,271 members, -3.8% vs a year ago.
- Delinquency rate 1.22%.
- Return on assets 0.72%.
- Efficiency ratio 75.85% vs a 76.56% peer average.
- Loan-to-share ratio 85.18% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,271
-3.8% YoY-2.9% QoQ
|
+8.4K |
37,897
-5.0% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$573.3M
+3.6% YoY+0.2% QoQ
|
$-49.1M |
$622.4M
+0.6% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$428.7M
+1.4% YoY+0.3% QoQ
|
+$225K |
$428.5M
-0.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$503.3M
+3.3% YoY-0.0% QoQ
|
$-36.5M |
$539.8M
+0.9% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
0.7%
+119.1% YoY+5.0% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
3.9%
+5.8% YoY+1.2% QoQ
|
+0.4% |
3.5%
+5.0% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
75.9%
-5.8% YoY+0.2% QoQ
|
-0.7% |
76.6%
-3.6% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
1.2%
-13.0% YoY+3.5% QoQ
|
+0.4 |
0.8%
+3.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
85.2%
-1.8% YoY+0.4% QoQ
|
+5.9% |
79.3%
-1.4% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$20,143
+6.5% YoY+3.1% QoQ
|
$-7K |
$27,294
+4.1% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.7% in tier |
| CD Concentration |
34.9%
+5.5% YoY+0.8% QoQ
|
+10.4% | 24.6% | 18.3% | 20.0% | 83% |
| Indirect Auto % |
12.9%
-29.5% YoY-10.4% QoQ
|
-0.7% | 13.6% | 9.9% | 7.7% | 59% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)