BlastPoint's Credit Union Scorecard
MULTI-STATES
Charter #63306 · MO
MULTI-STATES demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Net Interest Margin 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.2% in tier
- + Total Loans: Top 0.8% in tier
- + Members Per Employee (MPE): Top 4.5% in tier
- + Total Deposits: Top 5.5% in tier
- + Total Assets: Top 5.9% in tier
- + Loan-to-Share Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,892
+2.2% YoY+0.5% QoQ
|
+12.3K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 0.2% in tier |
| Assets |
$84.3M
+2.1% YoY-1.8% QoQ
|
+$54.4M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 5.9% in tier |
| Loans |
$67.6M
+5.3% YoY+1.9% QoQ
|
+$51.8M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 0.8% in tier |
| Deposits |
$73.1M
+0.6% YoY-2.5% QoQ
|
+$47.6M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 5.6% in tier |
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| ROA |
1.5%
+16.7% YoY-0.9% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
4.2%
+14.8% YoY+0.8% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
70.1%
-2.7% YoY-1.3% QoQ
|
-11.3% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.3%
+56.2% YoY+271.4% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
92.4%
+4.7% YoY+4.6% QoQ
|
+31.2% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 9.1% in tier |
| AMR |
$9,443
+0.6% YoY-0.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
11.8%
+15.8% YoY+18.7% QoQ
|
-12.6% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)