BlastPoint's Credit Union Scorecard

TELCOMM

Charter #63116 · MO

1069 CUs in 100M-500M nationally 24 in MO

TELCOMM has 2 strengths but faces 5 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 82.5% in tier
  • + Net Interest Margin 0.49% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 22.6% in tier
  • - Efficiency Drag: Bottom 66.5% in tier
  • - ROA 0.35% below tier average
  • - Efficiency ratio 7.54% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 1.7% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 25,039
+3.7% YoY+0.4% QoQ
 +9.6K 15,437
-2.9% YoY
 15,911
+2.9% YoY
 33,374
+5.7% YoY
 Top 12.8% in tier
Assets $323.8M
+5.0% YoY-0.0% QoQ
 +$91.9M $231.9M
+1.3% YoY
 $212.3M
+9.5% YoY
 $561.6M
+9.7% YoY
 77%
Loans $232.5M
+7.3% YoY+1.6% QoQ
 +$85.2M $147.3M
-0.1% YoY
 $149.4M
+8.7% YoY
 $397.0M
+8.8% YoY
 83%
Deposits $279.5M
+4.4% YoY-0.2% QoQ
 +$78.7M $200.8M
+0.8% YoY
 $185.2M
+10.6% YoY
 $477.3M
+9.7% YoY
 77%

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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%
-37.0% YoY-6.0% QoQ
 -0.4% 0.8%
+18.2% YoY
 0.7%
+53.7% YoY
 0.7%
+15.9% YoY
 25%
NIM 4.1%
+8.2% YoY+0.8% QoQ
 +0.5% 3.6%
+6.7% YoY
 3.8%
+3.0% YoY
 3.8%
+5.1% YoY
 78%
Efficiency Ratio 84.6%
+7.1% YoY-0.1% QoQ
 +7.5% 77.0%
-3.1% YoY
 77.6%
-5.0% YoY
 79.7%
-3.3% YoY
 77%
Delinquency Rate 0.4%
-8.2% YoY+12.1% QoQ
 -0.5 0.9%
+4.2% YoY
 1.3%
+20.7% YoY
 1.3%
-2.1% YoY
 23%
Loan To Share 83.2%
+2.7% YoY+1.8% QoQ
 +11.0% 72.2%
-1.1% YoY
 71.1%
-4.0% YoY
 67.4%
-1.7% YoY
 71%
AMR $20,449
+2.0% YoY+0.2% QoQ
 $-4K $24,676
+3.4% YoY
 $16,896
+3.0% YoY
 $19,687
+2.0% YoY
 36%
CD Concentration 27.4%
-6.1% YoY-1.6% QoQ
 +3.0% 24.4% 18.2% 19.8% 50%
Indirect Auto % 62.0%
-0.6% YoY-0.3% QoQ
 +48.2% 13.8% 10.0% 7.8% 50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#491 of 595 • Top 82.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.68%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.41%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 62.03%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#115 of 506 • Bottom 22.6% in tier

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

Why This Signature
Asset Growth (YoY): 5.05%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 62.03%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.68%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank worsening

Efficiency Drag

risk
#358 of 538 • Bottom 66.5% in tier

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

Why This Signature
Efficiency Ratio: 84.56%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.24% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 3.68%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | New qualifier

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)

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

137
Total Members
engagement
Value: 25,039
Peer Median: -
#137 of 1069 Top 12.7% in 100M-500M tier
152
First Mortgage Concentration (%)
balance_sheet
Value: 11.23%
Peer Median: -
#152 of 1069 Top 14.1% in 100M-500M tier
162
Member Growth Rate
growth
Value: 3.68%
Peer Median: -
#162 of 1069 Top 15.1% in 100M-500M tier
186
Total Loans
balance_sheet
Value: $232.55M
Peer Median: -
#186 of 1069 Top 17.3% in 100M-500M tier
241
Net Interest Margin (NIM)
profitability
Value: 4.10%
Peer Median: -
#241 of 1069 Top 22.5% in 100M-500M tier
244
Total Deposits
balance_sheet
Value: $279.48M
Peer Median: -
#244 of 1069 Top 22.7% in 100M-500M tier
245
Total Assets
balance_sheet
Value: $323.79M
Peer Median: -
#245 of 1069 Top 22.8% in 100M-500M tier
248
Total Delinquency Rate (60+ days)
risk
Value: 0.40%
Peer Median: -
#248 of 1069 Top 23.1% in 100M-500M tier

Top Weaknesses (2 metrics)

1052
Indirect Auto Concentration (%)
balance_sheet
Value: 62.03%
Peer Median: -
#1052 of 1069 Bottom 1.7% in 100M-500M tier
824
Efficiency Ratio
profitability
Value: 84.56%
Peer Median: -
#824 of 1069 Bottom 23.0% in 100M-500M tier
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