BlastPoint's Credit Union Scorecard
ST. LOUIS NEWSPAPER CARRIERS
Charter #63055 · MO
ST. LOUIS NEWSPAPER CARRIERS has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 16.02% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 0.5% in tier
- - First Mortgage Concentration (%): Bottom 0.7% in tier
- - Net Worth Ratio: Bottom 1.4% in tier
- - Fee Income Per Member: Bottom 3.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits +5.2% year over year ($18.8M in shares and deposits).
- Membership: 525 members, +1.2% vs a year ago.
- Delinquency rate 0.01%.
- Return on assets 0.04%.
- Efficiency ratio 104.79% vs a 88.77% peer average.
- Loan-to-share ratio 93.56% vs a 58.89% 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 |
525
+1.2% YoY-0.4% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Bottom 14.3% in tier |
| Assets |
$20.1M
+4.7% YoY+1.6% QoQ
|
$-10.2M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$17.6M
+5.8% YoY+7.3% QoQ
|
+$2.1M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$18.8M
+5.2% YoY+1.6% QoQ
|
$-7.0M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
50% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-108.7% YoY-141.0% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.6% in tier |
| NIM |
0.8%
+104.8% YoY+2.4% QoQ
|
-3.1% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.5% in tier |
| Efficiency Ratio |
104.8%
-50.8% YoY-6.4% QoQ
|
+16.0% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.5% in tier |
| Delinquency Rate |
0.0%
-88.2% YoY-91.2% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Top 13.9% in tier |
| Loan To Share |
93.6%
+0.6% YoY+5.6% QoQ
|
+34.7% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Top 6.5% in tier |
| AMR |
$69,277
+4.3% YoY+4.7% QoQ
|
+$54K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
Top 0.2% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 7.7% | 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)