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
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 21.32% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 0.8% in tier
- - Net Interest Margin (NIM): Bottom 0.8% in tier
- - Net Worth Ratio: Bottom 1.4% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
527
+1.0% YoY+1.5% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Bottom 14.3% in tier |
| Assets |
$19.8M
+2.0% YoY+2.8% QoQ
|
$-10.4M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$16.4M
-4.6% YoY-0.9% QoQ
|
+$1.1M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$18.5M
+3.2% YoY+3.1% QoQ
|
$-7.3M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
-0.1%
-82.9% YoY-74.3% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
0.8%
+146.4% YoY+63.6% QoQ
|
-3.2% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio |
112.0%
-58.9% YoY-36.4% QoQ
|
+21.3% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate |
0.2%
+33.1% YoY
|
-1.3 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
88.6%
-7.5% YoY-3.9% QoQ
|
+30.1% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 9.3% in tier |
| AMR |
$66,182
-1.6% YoY-0.3% QoQ
|
+$51K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Top 0.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 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)