BlastPoint's Credit Union Scorecard
DE SOTO MO PAC
Charter #63507 · MO
DE SOTO MO PAC has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Deposit Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 2.2% in tier
- + Loan-to-Member Ratio (LMR): Top 5.3% in tier
- + Average Member Relationship (AMR): Top 6.1% in tier
- + Member Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.8% in tier
- - Net Interest Margin (NIM): Bottom 6.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,758
+4.2% YoY+0.9% QoQ
|
-918 |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$30.1M
+16.1% YoY+7.6% QoQ
|
$-133K |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$20.1M
+5.4% YoY+1.4% QoQ
|
+$4.9M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$27.0M
+17.6% YoY+8.4% QoQ
|
+$1.2M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
61% |
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| ROA |
0.6%
-12.2% YoY+11.9% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
2.4%
-2.2% YoY+5.7% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio |
71.4%
-1.3% YoY-7.4% QoQ
|
-19.2% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.8%
+189.1% YoY+3.5% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
74.5%
-10.4% YoY-6.5% QoQ
|
+16.0% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$26,831
+7.5% YoY+4.3% QoQ
|
+$12K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Top 6.1% in tier |
| CD Concentration |
46.5%
+5.0% YoY-3.8% QoQ
|
+22.2% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 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)