BlastPoint's Credit Union Scorecard

MISSOURI CENTRAL

Charter #64036 · MO

100M-500M

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

MISSOURI CENTRAL has 6 strengths but faces 8 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

+ Net Interest Margin 0.37% above tier average
+ Strong member growth: 42.3% YoY
+ Asset Growth Rate: Top 0.2% in tier
+ Deposit Growth Rate: Top 0.2% in tier
+ Member Growth Rate: Top 0.5% in tier
+ Loan Growth Rate: Top 2.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.75% below tier average
- Efficiency ratio 10.10% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 4.7% in tier
- Fee Income Per Member: Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	11,516 +42.3% YoY-0.7% QoQ	-3.6K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	41%
Assets	$125.1M +58.9% YoY+1.6% QoQ	$-106.6M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	16%
Loans	$79.6M +23.8% YoY-0.4% QoQ	$-64.6M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	24%
Deposits	$115.1M +66.5% YoY+1.9% QoQ	$-86.0M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	21%

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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	-0.0% -103.0% YoY-90.0% QoQ	-0.8%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	Bottom 7.1% in tier
NIM	4.0% -18.2% YoY-4.8% QoQ	+0.4%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	88.1% +38.0% YoY-5.1% QoQ	+10.1%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	0.6% +27.0% YoY+3.9% QoQ	-0.2	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	47%
Loan To Share	69.1% -25.7% YoY-2.2% QoQ	-1.3%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	44%
AMR	$16,907 +2.6% YoY+1.7% QoQ	$-8K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	16%
CD Concentration	13.8% +19.9% YoY+1.8% QoQ	-10.5%	24.3%	18.1%	19.8%	50%
Indirect Auto %	46.2% -8.1% YoY+4.0% QoQ	+32.4%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#23 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): 58.92%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 46.22%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 42.31%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

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

↓ Shrinking -29 CUs YoY | New qualifier

Credit Risk Growth

risk

#97 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 23.79%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#457 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#550 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.12%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.91% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 42.31%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Asset Growth Rate

growth

Value: 58.92%

Peer Median: 3.91%

#3 of 1070 Top 0.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 66.54%

Peer Median: 3.30%

#3 of 1070 Top 0.2% in 100M-500M tier

Member Growth Rate

growth

Value: 42.31%

Peer Median: -0.06%

#6 of 1070 Top 0.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 23.79%

Peer Median: 2.93%

#23 of 1070 Top 2.1% in 100M-500M tier

201

Share Certificate Concentration (%)

balance_sheet

Value: 13.79%

Peer Median: 23.10%

#201 of 1070 Top 18.7% in 100M-500M tier

228

First Mortgage Concentration (%)

balance_sheet

Value: 15.20%

Peer Median: 29.47%

#228 of 1070 Top 21.2% in 100M-500M tier

252

Members Per Employee (MPE)

engagement

Value: 383.867

Peer Median: 309.176

#252 of 1070 Top 23.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1021

Indirect Auto Concentration (%)

balance_sheet

Value: 46.22%

Peer Median: 6.61%

#1021 of 1070 Bottom 4.7% in 100M-500M tier

1015

Fee Income Per Member

profitability

Value: $62.01

Peer Median: $154.95

#1015 of 1070 Bottom 5.2% in 100M-500M tier

994

Return on Assets (ROA)

profitability

Value: -0.03%

Peer Median: 0.69%

#994 of 1070 Bottom 7.2% in 100M-500M tier

927

Net Worth Ratio

risk

Value: 8.98%

Peer Median: 11.45%

#927 of 1070 Bottom 13.5% in 100M-500M tier

909

Net Charge-Off Rate

risk

Value: 0.84%

Peer Median: 0.35%

#909 of 1070 Bottom 15.1% in 100M-500M tier

899

Average Member Relationship (AMR)

engagement

Value: $16,907

Peer Median: $22,931

#899 of 1070 Bottom 16.1% in 100M-500M tier

898

Total Assets

balance_sheet

Value: $125.13M

Peer Median: $196.57M

#898 of 1070 Bottom 16.2% in 100M-500M tier

858

Efficiency Ratio

profitability

Value: 88.12%

Peer Median: 78.68%

#858 of 1070 Bottom 19.9% in 100M-500M tier

845

Total Deposits

balance_sheet

Value: $115.14M

Peer Median: $171.29M

#845 of 1070 Bottom 21.1% in 100M-500M tier

830

Loan-to-Member Ratio (LMR)

engagement

Value: $6,909

Peer Median: $9,356

#830 of 1070 Bottom 22.5% in 100M-500M tier