MISSOURI CENTRAL

Charter #64036 | MO

100M-500M (1077 CUs) Micro
24 100M-500M in MO

MISSOURI CENTRAL has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.1% in tier
  • + Relationship Depth Leader: Top 1.8% in tier
  • + Net Interest Margin 0.63% above tier average
  • + AMR Growth Rate: Top 0.1% in tier
  • + Asset Growth Rate: Top 0.2% in tier
  • + Deposit Growth Rate: Top 0.2% in tier
  • + Loan Growth Rate: Top 2.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.3% in tier
  • - Efficiency Drag: Bottom 6.2% in tier
  • - ROA 1.39% below tier average
  • - Efficiency ratio 21.42% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 6.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 8,091
+0.6% YoY-32.1% QoQ
 -7.5K 15,628
-3.4% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Bottom 16.6% in tier
Assets $123.8M
+61.1% YoY+0.9% QoQ
 $-107.5M $231.3M
-0.0% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 15.8% in tier
Loans $78.5M
+24.6% YoY+0.6% QoQ
 $-69.3M $147.8M
-1.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 Bottom 21.0% in tier
Deposits $113.4M
+66.7% YoY-0.1% QoQ
 $-86.9M $200.3M
-0.0% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Bottom 20.1% in tier
ROA -0.6%
-206.2% YoY-61.5% QoQ
 -1.4% 0.8%
+15.5% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 Bottom 1.8% in tier
NIM 4.2%
-7.8% YoY-17.9% QoQ
 +0.6% 3.6%
+6.9% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 16.3% in tier
Efficiency Ratio 98.7%
+32.5% YoY-9.1% QoQ
 +21.4% 77.3%
-3.0% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 Top 2.7% in tier
Delinquency Rate 0.6%
-20.3% YoY-27.3% QoQ
 -0.3 0.9%
+7.6% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 45th in tier
Loan To Share 69.2%
-25.3% YoY+0.7% QoQ
 -3.5% 72.7%
-1.5% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 39th in tier
AMR $23,719
+45.5% YoY+47.6% QoQ
 $-645 $24,363
+2.9% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 58th in tier
CD Concentration 13.2%
+9.3% YoY+3.1% QoQ
 -11.2% 24.4%
+4.2% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 44.1%
-11.2% YoY-0.5% QoQ
 +30.2% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#3 of 1006 • Top 0.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 45.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#50 of 1006 • Top 1.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 45.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#6 of 525 • Bottom 0.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 61.09%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 44.12%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.65%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | New qualifier

Efficiency Drag

risk
#110 of 521 • Bottom 6.2% in tier

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

Why This Signature
Efficiency Ratio: 98.70%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.18% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.65%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

2
AMR Growth Rate
growth
Value: 45.50%
Peer Avg: 3.64%
#2 of 1077 Top 0.1% in 100M-500M tier
3
Asset Growth Rate
growth
Value: 61.09%
Peer Avg: 4.70%
#3 of 1077 Top 0.2% in 100M-500M tier
3
Deposit Growth Rate
growth
Value: 66.69%
Peer Avg: 4.69%
#3 of 1077 Top 0.2% in 100M-500M tier
26
Loan Growth Rate
growth
Value: 24.59%
Peer Avg: 3.45%
#26 of 1077 Top 2.3% in 100M-500M tier
176
Net Interest Margin (NIM)
profitability
Value: 4.21%
Peer Avg: 3.58%
#176 of 1077 Top 16.2% in 100M-500M tier
190
Share Certificate Concentration (%)
balance_sheet
Value: 13.19%
Peer Avg: 23.61%
#190 of 1077 Top 17.5% in 100M-500M tier
235
First Mortgage Concentration (%)
balance_sheet
Value: 15.51%
Peer Avg: 30.43%
#235 of 1077 Top 21.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1058
Return on Assets (ROA)
profitability
Value: -0.61%
Peer Avg: 0.79%
#1058 of 1077 Bottom 1.9% in 100M-500M tier
1049
Efficiency Ratio
profitability
Value: 98.70%
Peer Avg: 77.28%
#1049 of 1077 Bottom 2.7% in 100M-500M tier
1013
Indirect Auto Concentration (%)
balance_sheet
Value: 44.12%
Peer Avg: 13.34%
#1013 of 1077 Bottom 6.0% in 100M-500M tier
949
Net Worth Ratio
risk
Value: 8.92%
Peer Avg: 12.15%
#949 of 1077 Bottom 12.0% in 100M-500M tier
907
Total Assets
balance_sheet
Value: $123.83M
Peer Avg: $231.30M
#907 of 1077 Bottom 15.9% in 100M-500M tier
898
Total Members
engagement
Value: 8,091
Peer Avg: 15,628
#898 of 1077 Bottom 16.7% in 100M-500M tier
861
Total Deposits
balance_sheet
Value: $113.40M
Peer Avg: $200.29M
#861 of 1077 Bottom 20.1% in 100M-500M tier
851
Total Loans
balance_sheet
Value: $78.51M
Peer Avg: $147.80M
#851 of 1077 Bottom 21.1% in 100M-500M tier
847
Net Charge-Off Rate
risk
Value: 0.67%
Peer Avg: 0.47%
#847 of 1077 Bottom 21.4% in 100M-500M tier