BlastPoint's Credit Union Scorecard
SIKESTON PUBLIC SCHOOLS
Charter #63830 · MO
SIKESTON PUBLIC SCHOOLS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
- + Efficiency Ratio: Top 3.4% in tier
- + Asset Growth Rate: Top 9.4% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Share Certificate Concentration (%): Bottom 7.8% in tier
- - Net Charge-Off Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,195
+1.6% YoY+0.2% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$5.6M
+9.6% YoY-0.4% QoQ
|
$-24.5M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$2.7M
-4.2% YoY-2.7% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$4.6M
+9.8% YoY-1.0% QoQ
|
$-21.1M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.4%
+59.6% YoY+4.5% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.4%
-4.4% YoY+2.9% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
47.0%
-9.6% YoY-1.3% QoQ
|
-35.5% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
1.0%
-59.9% YoY+0.5% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
57.6%
-12.8% YoY-1.7% QoQ
|
-3.0% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$6,110
+2.6% YoY-1.8% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.1% in tier |
| CD Concentration |
39.5%
+21.1% YoY+5.3% QoQ
|
+15.0% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 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)