BlastPoint's Credit Union Scorecard
MULTI-STATES
Charter #63306 · MO
MULTI-STATES has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Total Members: Top 0.2% in tier
- + Total Loans: Top 0.5% in tier
- + Total Deposits: Top 3.3% in tier
- + Total Assets: Top 3.5% in tier
- + Members Per Employee (MPE): Top 5.8% in tier
- + Loan-to-Share Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits +5.2% year over year ($78.9M in shares and deposits).
- Membership: 15,004 members, +1.2% vs a year ago.
- Delinquency rate 0.36%.
- Return on assets 1.14%.
- Efficiency ratio 75.80% vs a 88.77% peer average.
- Loan-to-share ratio 89.43% vs a 58.89% 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 |
15,004
+1.2% YoY+0.2% QoQ
|
+12.4K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 0.2% in tier |
| Assets |
$90.9M
+5.8% YoY+1.9% QoQ
|
+$60.6M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Top 3.5% in tier |
| Loans |
$70.6M
+6.5% YoY+4.5% QoQ
|
+$55.1M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Top 0.5% in tier |
| Deposits |
$78.9M
+5.2% YoY+2.0% QoQ
|
+$53.1M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 3.4% in tier |
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| ROA |
1.1%
-25.2% YoY+38.5% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
4.0%
-4.3% YoY+1.5% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
75.8%
+6.8% YoY-11.7% QoQ
|
-13.0% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
0.4%
+402.1% YoY+257.0% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
89.4%
+1.2% YoY+2.5% QoQ
|
+30.5% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Top 9.9% in tier |
| AMR |
$9,963
+4.5% YoY+2.9% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
14.8%
+48.7% YoY+6.2% QoQ
|
-9.7% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 7.7% | 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)