BlastPoint's Credit Union Scorecard
SIKESTON PUBLIC SCHOOLS
Charter #63830 · MO
SIKESTON PUBLIC SCHOOLS has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 5.2% in tier
- + Deposit Growth Rate: Top 8.5% in tier
- + Asset Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 7.2% in tier
- - Share Certificate Concentration (%): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,193
+2.0% YoY+1.3% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$5.7M
+9.8% YoY-2.6% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$2.7M
-3.9% YoY-1.7% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$4.7M
+10.2% YoY-3.6% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
1.3%
+65.7% YoY+13.6% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.3%
-5.8% YoY-1.5% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
47.7%
-9.2% YoY-0.2% QoQ
|
-33.7% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate |
1.0%
-41.3% YoY+16.7% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
58.7%
-12.8% YoY+2.0% QoQ
|
-2.6% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$6,220
+2.5% YoY-4.1% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.5% in tier |
| CD Concentration |
37.5%
+17.9% YoY+4.9% QoQ
|
+13.1% |
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)