BlastPoint's Credit Union Scorecard

TELCOMM

Charter #63116 · MO

1077 CUs in 100M-500M nationally 24 in MO

TELCOMM has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 26.8% in tier
+ Credit Quality Leader: Top 89.1% in tier
+ Net Interest Margin 0.48% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 6.7% in tier
- Efficiency Drag: Bottom 16.8% in tier
- Credit Risk Growth: Bottom 24.7% in tier
- Credit Quality Pressure: Bottom 27.8% in tier
- ROA 0.35% below tier average
- Efficiency ratio 7.34% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 1.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	24,933 +3.5% YoY+1.2% QoQ	+9.3K	15,628 -3.4% YoY	15,920 +4.0% YoY	33,089 +6.1% YoY	Top 13.5% in tier
Assets	$323.9M +4.3% YoY+1.5% QoQ	+$92.6M	$231.3M -0.0% YoY	$210.9M +9.4% YoY	$547.7M +7.8% YoY	77%
Loans	$228.9M +6.2% YoY+3.2% QoQ	+$81.1M	$147.8M -1.4% YoY	$147.8M +9.0% YoY	$388.7M +8.6% YoY	82%
Deposits	$279.9M +4.2% YoY+1.6% QoQ	+$79.7M	$200.3M -0.0% YoY	$183.9M +12.2% YoY	$464.6M +9.3% YoY	78%

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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	0.4% -22.5% YoY+20.5% QoQ	-0.4%	0.8% +15.5% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	27%
NIM	4.1% +9.0% YoY+1.4% QoQ	+0.5%	3.6% +6.9% YoY	3.8% +3.2% YoY	3.7% +5.0% YoY	77%
Efficiency Ratio	84.6% +6.7% YoY-1.7% QoQ	+7.3%	77.3% -3.0% YoY	78.5% -6.5% YoY	79.1% -3.3% YoY	76%
Delinquency Rate	0.4% +5.1% YoY-16.0% QoQ	-0.5	0.9% +7.6% YoY	1.2% +9.9% YoY	1.2% -0.9% YoY	23%
Loan To Share	81.8% +1.8% YoY+1.7% QoQ	+9.1%	72.7% -1.5% YoY	72.3% -3.7% YoY	68.0% -1.7% YoY	68%
AMR	$20,410 +1.6% YoY+1.1% QoQ	$-4K	$24,363 +2.9% YoY	$16,810 +3.4% YoY	$19,418 +1.3% YoY	38%
CD Concentration	27.8% -6.1% YoY-1.6% QoQ	+3.4%	24.4% +4.2% YoY	18.1% +9.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	62.2% -1.2% YoY-0.6% QoQ	+48.3%	14.0% -5.7% YoY	10.3% -9.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#492 of 603 • Top 26.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.46%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.43%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 62.24%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Credit Quality Leader

growth

#303 of 340 • Top 89.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.36%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (4)

Indirect Auto Dependency

risk

#109 of 525 • Bottom 6.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.28%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 62.24%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.46%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Efficiency Drag

risk

#297 of 521 • Bottom 16.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.62%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 3.46%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Credit Risk Growth

risk

#370 of 446 • Bottom 24.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.15%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#688 of 736 • Bottom 27.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

145

Total Members

engagement

Value: 24,933

Peer Avg: -

#145 of 1077 Top 13.4% in 100M-500M tier

155

First Mortgage Concentration (%)

balance_sheet

Value: 11.38%

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

172

Member Growth Rate

growth

Value: 3.46%

Peer Avg: -

#172 of 1077 Top 15.9% in 100M-500M tier

195

Total Loans

balance_sheet

Value: $228.93M

Peer Avg: -

#195 of 1077 Top 18.0% in 100M-500M tier

241

Total Deposits

balance_sheet

Value: $279.95M

Peer Avg: -

#241 of 1077 Top 22.3% in 100M-500M tier

247

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Avg: -

#247 of 1077 Top 22.8% in 100M-500M tier

247

Total Assets

balance_sheet

Value: $323.95M

Peer Avg: -

#247 of 1077 Top 22.8% in 100M-500M tier

250

Net Interest Margin (NIM)

profitability

Value: 4.06%

Peer Avg: -

#250 of 1077 Top 23.1% in 100M-500M tier

Top Weaknesses (2 metrics)

1059

Indirect Auto Concentration (%)

balance_sheet

Value: 62.24%

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

814

Efficiency Ratio

profitability

Value: 84.62%

Peer Avg: -

#814 of 1077 Bottom 24.5% in 100M-500M tier