BlastPoint's Credit Union Scorecard

ALLIANCE

Charter #63789 · MO

100M-500M

1070 CUs in 100M-500M nationally 25 in MO

ALLIANCE has 8 strengths but faces 7 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Loan-to-Share Ratio: Top 1.2% in tier
+ Total Loans: Top 2.6% in tier
+ Deposit Growth Rate: Top 4.4% in tier
+ Asset Growth Rate: Top 4.7% in tier
+ Total Assets: Top 8.1% in tier
+ Loan-to-Member Ratio (LMR): Top 8.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.07% below tier average
- Member decline: -3.4% YoY
- First Mortgage Concentration (%): Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	20,852 -3.4% YoY-0.4% QoQ	+5.7K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	79%
Assets	$422.0M +12.5% YoY+5.6% QoQ	+$190.3M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	Top 8.2% in tier
Loans	$333.7M -0.4% YoY+0.8% QoQ	+$189.5M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	Top 2.7% in tier
Deposits	$323.0M +12.6% YoY+9.1% QoQ	+$121.9M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	Top 14.9% in tier

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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	0.7% -1.4% YoY-11.1% QoQ	-0.1%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	47%
NIM	2.9% -6.9% YoY-5.3% QoQ	-0.7%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	Bottom 11.5% in tier
Efficiency Ratio	74.7% -4.7% YoY-3.4% QoQ	-3.3%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	37%
Delinquency Rate	0.5% -2.0% YoY-53.3% QoQ	-0.2	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	44%
Loan To Share	103.3% -11.6% YoY-7.6% QoQ	+32.9%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	Top 1.3% in tier
AMR	$31,492 +9.4% YoY+5.1% QoQ	+$7K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	85%
CD Concentration	27.8% +24.7% YoY+14.0% QoQ	+3.5%	24.3%	18.1%	19.8%	50%
Indirect Auto %	18.6% +19.1% YoY+5.4% QoQ	+4.8%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#43 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 9.37%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.8K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#151 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.37%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#127 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 12.51%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 18.57%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.45%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Strain

risk

#62 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 103.30%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -0.41%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Membership Headwinds

decline

#220 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.45%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#220 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.45%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.41%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.53%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (11 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 103.30%

Peer Median: 71.88%

#14 of 1070 Top 1.2% in 100M-500M tier

Total Loans

balance_sheet

Value: $333.66M

Peer Median: $121.41M

#29 of 1070 Top 2.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.62%

Peer Median: 3.30%

#48 of 1070 Top 4.4% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.51%

Peer Median: 3.91%

#51 of 1070 Top 4.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $422.01M

Peer Median: $196.57M

#88 of 1070 Top 8.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,001

Peer Median: $9,356

#91 of 1070 Top 8.4% in 100M-500M tier

114

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: 0.35%

#114 of 1070 Top 10.6% in 100M-500M tier

121

AMR Growth Rate

growth

Value: 9.37%

Peer Median: 3.46%

#121 of 1070 Top 11.2% in 100M-500M tier

159

Total Deposits

balance_sheet

Value: $323.01M

Peer Median: $171.29M

#159 of 1070 Top 14.8% in 100M-500M tier

164

Average Member Relationship (AMR)

engagement

Value: $31,492

Peer Median: $22,931

#164 of 1070 Top 15.2% in 100M-500M tier

Top Weaknesses (3 metrics)

989

First Mortgage Concentration (%)

balance_sheet

Value: 57.15%

Peer Median: 29.47%

#989 of 1070 Bottom 7.7% in 100M-500M tier

947

Net Interest Margin (NIM)

profitability

Value: 2.89%

Peer Median: 3.62%

#947 of 1070 Bottom 11.6% in 100M-500M tier

886

Member Growth Rate

growth

Value: -3.45%

Peer Median: -0.06%

#886 of 1070 Bottom 17.3% in 100M-500M tier