BlastPoint's Credit Union Scorecard
MISSOURI CENTRAL
Charter #64036 · MO
1069 CUs in 100M-500M nationally
24 in MO
MISSOURI CENTRAL has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.60% above tier average
- + Strong member growth: 43.7% YoY
- + Deposit Growth Rate: Top 0.2% in tier
- + Asset Growth Rate: Top 0.3% in tier
- + Member Growth Rate: Top 0.5% in tier
- + Loan Growth Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.0% in tier
- - Credit Risk Growth: Bottom 46.6% in tier
- - Efficiency Drag: Bottom 76.2% in tier
- - Credit Quality Pressure: Bottom 94.7% in tier
- - ROA 1.02% below tier average
- - Efficiency ratio 15.86% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,603
+43.7% YoY+43.4% QoQ
|
-3.8K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$123.2M
+58.9% YoY-0.5% QoQ
|
$-108.6M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$79.9M
+23.7% YoY+1.7% QoQ
|
$-67.5M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$113.0M
+64.6% YoY-0.4% QoQ
|
$-87.8M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.3%
-149.7% YoY-56.9% QoQ
|
-1.0% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.8% in tier |
| NIM |
4.2%
-9.9% YoY-0.2% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
92.9%
+27.1% YoY-5.9% QoQ
|
+15.9% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
0.5%
+3.4% YoY-8.6% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
70.7%
-24.8% YoY+2.1% QoQ
|
-1.5% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$16,618
+0.7% YoY-29.9% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
13.6%
+8.9% YoY+2.8% QoQ
|
-10.9% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
44.4%
-10.6% YoY+0.7% QoQ
|
+30.6% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Indirect Auto Dependency
risk
#26 of 506 • Bottom 5.0% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
58.90%
(Tier:
5.37%, National:
3.54%)
Indirect Auto %:
44.43%
(Tier:
13.79%, National:
7.78%)
Member Growth (YoY):
43.73%
(Tier:
0.69%, National:
4.32%)
506 of 1069 Mid-Small & Community CUs have this signature |
745 nationally
↓ Shrinking
-35 CUs YoY
|
New qualifier
Credit Risk Growth
risk
#213 of 456 • Bottom 46.6% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
23.73%
(Tier:
4.11%, National:
111.96%)
Delinquency Change (YoY):
0.02% points
(Tier:
0.03% points, National:
0.06% points)
456 of 1069 Mid-Small & Community CUs have this signature |
665 nationally
→ No prior data (456 CUs now)
|
New qualifier
Efficiency Drag
risk
#410 of 538 • Bottom 76.2% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
92.88%
(Tier:
76.88%, National:
79.67%)
ROA Change (YoY):
-0.79% points
(Tier:
0.11% points, National:
0.02% points)
Member Growth (YoY):
43.73%
(Tier:
0.69%, National:
4.32%)
538 of 1069 Mid-Small & Community CUs have this signature |
633 nationally
↓ Shrinking
-98 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#668 of 705 • Bottom 94.7% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.02% points
(Tier:
0.03% points, National:
0.06% points)
705 of 1069 Mid-Small & Community CUs have this signature |
969 nationally
↓ Shrinking
-150 CUs YoY
|
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)
Top Strengths (8 metrics)
3
Deposit Growth Rate
growth
Value:
64.59%
Peer Median: -
#3 of 1069
Top 0.2% in 100M-500M tier
4
Asset Growth Rate
growth
Value:
58.90%
Peer Median: -
#4 of 1069
Top 0.3% in 100M-500M tier
6
Member Growth Rate
growth
Value:
43.73%
Peer Median: -
#6 of 1069
Top 0.5% in 100M-500M tier
26
Loan Growth Rate
growth
Value:
23.73%
Peer Median: -
#26 of 1069
Top 2.3% in 100M-500M tier
192
Share Certificate Concentration (%)
balance_sheet
Value:
13.55%
Peer Median: -
#192 of 1069
Top 17.9% in 100M-500M tier
194
Net Interest Margin (NIM)
profitability
Value:
4.20%
Peer Median: -
#194 of 1069
Top 18.1% in 100M-500M tier
231
First Mortgage Concentration (%)
balance_sheet
Value:
15.40%
Peer Median: -
#231 of 1069
Top 21.5% in 100M-500M tier
236
Members Per Employee (MPE)
engagement
Value:
386.767
Peer Median: -
#236 of 1069
Top 22.0% in 100M-500M tier
Top Weaknesses (11 metrics)
1028
Return on Assets (ROA)
profitability
Value:
-0.26%
Peer Median: -
#1028 of 1069
Bottom 3.9% in 100M-500M tier
1015
Indirect Auto Concentration (%)
balance_sheet
Value:
44.43%
Peer Median: -
#1015 of 1069
Bottom 5.1% in 100M-500M tier
1007
Efficiency Ratio
profitability
Value:
92.88%
Peer Median: -
#1007 of 1069
Bottom 5.9% in 100M-500M tier
905
Net Worth Ratio
risk
Value:
9.13%
Peer Median: -
#905 of 1069
Bottom 15.4% in 100M-500M tier
905
Average Member Relationship (AMR)
engagement
Value:
$16,618
Peer Median: -
#905 of 1069
Bottom 15.4% in 100M-500M tier
904
Total Assets
balance_sheet
Value:
$123.21M
Peer Median: -
#904 of 1069
Bottom 15.5% in 100M-500M tier
887
Fee Income Per Member
profitability
Value:
$105.76
Peer Median: -
#887 of 1069
Bottom 17.1% in 100M-500M tier
855
Total Deposits
balance_sheet
Value:
$112.97M
Peer Median: -
#855 of 1069
Bottom 20.1% in 100M-500M tier
842
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,882
Peer Median: -
#842 of 1069
Bottom 21.3% in 100M-500M tier
832
Total Loans
balance_sheet
Value:
$79.85M
Peer Median: -
#832 of 1069
Bottom 22.3% in 100M-500M tier