BlastPoint's Credit Union Scorecard
MISSOURI CENTRAL
Charter #64036 · MO
MISSOURI CENTRAL has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.45% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 5.59% above tier (higher cost structure)
- - Member decline: -3.8% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
- Shares and deposits +0.0% year over year ($113M in shares and deposits).
- Membership: 11,464 members, -3.8% vs a year ago.
- Delinquency rate 0.85%.
- Return on assets 0.28%.
- Efficiency ratio 82.33% vs a 76.73% peer average.
- Loan-to-share ratio 69.04% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,464
-3.8% YoY-0.5% QoQ
|
-3.7K |
15,168
-2.6% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$123.3M
+0.5% YoY-1.5% QoQ
|
$-108.7M |
$232.0M
+0.7% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.7% in tier |
| Loans |
$78.4M
+0.4% YoY-1.5% QoQ
|
$-67.9M |
$146.3M
+0.2% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$113.5M
+0.0% YoY-1.4% QoQ
|
$-87.2M |
$200.7M
+0.2% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.3%
-118.0% YoY
|
-0.6% |
0.9%
+12.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.5% in tier |
| NIM |
4.1%
-19.4% YoY+3.4% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
82.3%
-24.2% YoY-6.6% QoQ
|
+5.6% |
76.7%
-0.8% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.8%
+2.5% YoY+48.4% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
69.0%
+0.4% YoY-0.1% QoQ
|
-2.5% |
71.5%
-0.3% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$16,735
+4.1% YoY-1.0% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
15% |
| CD Concentration |
15.6%
+21.7% YoY+12.8% QoQ
|
-9.0% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
46.1%
+4.0% YoY-0.2% QoQ
|
+32.5% | 13.6% | 9.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)