BlastPoint's Credit Union Scorecard
TELCOMM
Charter #63116 · MO
TELCOMM has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 4.73% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 1.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,434
+4.7% YoY+1.6% QoQ
|
+10.3K |
15,145
-2.5% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Top 11.5% in tier |
| Assets |
$330.3M
+3.1% YoY+2.0% QoQ
|
+$98.6M |
$231.7M
+0.8% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$239.3M
+10.5% YoY+2.9% QoQ
|
+$95.1M |
$144.1M
+0.2% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
85% |
| Deposits |
$285.6M
+2.6% YoY+2.2% QoQ
|
+$84.5M |
$201.1M
+0.4% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
0.4%
+55.5% YoY-4.2% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
28% |
| NIM |
4.2%
+5.2% YoY+1.7% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
82.8%
-6.2% YoY-2.1% QoQ
|
+4.7% |
78.0%
-1.7% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
64% |
| Delinquency Rate |
0.3%
-17.0% YoY-29.6% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
20% |
| Loan To Share |
83.8%
+7.7% YoY+0.7% QoQ
|
+13.4% |
70.4%
-0.4% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$20,637
+1.3% YoY+0.9% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
26.2%
-7.7% YoY-4.1% QoQ
|
+2.0% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
62.3%
-0.2% YoY+0.4% QoQ
|
+48.5% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)