BlastPoint's Credit Union Scorecard

COUNTY

Charter #64056 · MO

2556 CUs in <100M nationally 60 in MO

COUNTY has 1 strength but faces 4 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 0.85% above tier average

Key Concerns

Areas that may need attention

- ROA 0.31% below tier average
- Efficiency ratio 6.11% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 8.1% in tier
- Net Charge-Off Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	1,956 -1.1% YoY+0.2% QoQ	-659	2,615 -1.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	50%
Assets	$25.6M +1.2% YoY+0.5% QoQ	$-4.5M	$30.1M +2.1% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	55%
Loans	$11.9M -5.6% YoY+3.6% QoQ	$-3.8M	$15.8M -1.3% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	55%
Deposits	$22.2M +1.0% YoY+0.4% QoQ	$-3.5M	$25.7M +1.4% YoY	$185.2M +10.6% YoY	$477.3M +9.7% YoY	56%

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

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -62.1% YoY-42.7% QoQ	-0.3%	0.6% +10.8% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	31%
NIM	4.8% +5.2% YoY-8.4% QoQ	+0.8%	4.0% +4.0% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	81%
Efficiency Ratio	88.7% +8.1% YoY+5.6% QoQ	+6.1%	82.6% -2.3% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	72%
Delinquency Rate	1.0% +7.2% YoY-4.8% QoQ	-0.6	1.6% -3.1% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	59%
Loan To Share	53.7% -6.5% YoY+3.2% QoQ	-6.9%	60.6% -3.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	39%
AMR	$17,438 -0.4% YoY+1.3% QoQ	+$3K	$14,783 -1.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	68%
CD Concentration	5.2% +115.9% YoY+3.0% QoQ	-19.2%	24.4%	18.2%	19.8%	50%
Indirect Auto %	12.3% -4.4% YoY-2.6% QoQ	-1.5%	13.8%	10.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (1 metrics)

476

Net Interest Margin (NIM)

profitability

Value: 4.80%

Peer Median: -

#476 of 2556 Top 18.6% in <100M tier

Top Weaknesses (2 metrics)

2351

Indirect Auto Concentration (%)

balance_sheet

Value: 12.27%

Peer Median: -

#2351 of 2556 Bottom 8.1% in <100M tier

2338

Net Charge-Off Rate

risk

Value: 1.57%

Peer Median: -

#2338 of 2556 Bottom 8.6% in <100M tier