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 0.58% 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 0.32% below tier average
- - Efficiency ratio 5.39% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 1.8% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
- Shares and deposits +3.9% year over year ($286M in shares and deposits).
- Membership: 25,644 members, +4.1% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 0.54%.
- Efficiency ratio 82.12% vs a 76.73% peer average.
- Loan-to-share ratio 85.59% vs a 71.54% 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 |
25,644
+4.1% YoY+0.8% QoQ
|
+10.5K |
15,168
-2.6% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 11.6% in tier |
| Assets |
$337.9M
+5.9% YoY+2.3% QoQ
|
+$105.9M |
$232.0M
+0.7% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$245.0M
+10.5% YoY+2.4% QoQ
|
+$98.7M |
$146.3M
+0.2% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Top 14.2% in tier |
| Deposits |
$286.3M
+3.9% YoY+0.2% QoQ
|
+$85.6M |
$200.7M
+0.2% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
0.5%
+51.0% YoY+39.2% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
4.3%
+6.5% YoY+2.4% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
82.1%
-4.6% YoY-0.8% QoQ
|
+5.4% |
76.7%
-0.8% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
0.2%
-42.0% YoY-12.4% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Top 14.5% in tier |
| Loan To Share |
85.6%
+6.4% YoY+2.2% QoQ
|
+14.0% |
71.5%
-0.3% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$20,717
+2.6% YoY+0.4% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
24.4%
-13.7% YoY-7.0% QoQ
|
-0.2% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
62.0%
-1.0% YoY-0.5% QoQ
|
+48.3% | 13.6% | 9.9% | 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)