BlastPoint's Credit Union Scorecard
ST. LOUIS NEWSPAPER CARRIERS
Charter #63055 · MO
ST. LOUIS NEWSPAPER CARRIERS has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Efficiency ratio 114.31% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 0.3% in tier
- - First Mortgage Concentration (%): Bottom 0.8% in tier
- - Net Worth Ratio: Bottom 1.5% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
518
-0.6% YoY-0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Bottom 14.3% in tier |
| Assets |
$19.4M
+2.0% YoY+1.1% QoQ
|
$-10.4M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$16.2M
-5.3% YoY-2.7% QoQ
|
+$395K |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$18.1M
+4.0% YoY+1.3% QoQ
|
$-7.4M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
-0.4%
-36.3% YoY-6.8% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.9% in tier |
| NIM |
0.4%
+80.5% YoY+9.9% QoQ
|
-3.5% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio |
195.7%
-47.3% YoY-8.0% QoQ
|
+114.3% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Top 1.3% in tier |
| Delinquency Rate |
0.0%
-48.4% YoY-77.6% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.9% in tier |
| Loan To Share |
89.3%
-8.9% YoY-4.0% QoQ
|
+28.1% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 11.7% in tier |
| AMR |
$66,149
+0.0% YoY-0.4% QoQ
|
+$52K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Top 0.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)