BlastPoint's Credit Union Scorecard

COUNTY

Charter #64056 · MO

2596 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 1.31% above tier average

Key Concerns

Areas that may need attention

- ROA 0.14% below tier average
- Efficiency ratio 2.59% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 8.3% in tier
- Net Charge-Off Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	1,952 -0.9% YoY+0.2% QoQ	-673	2,625 -2.2% YoY	15,920 +4.0% YoY	33,089 +6.1% YoY	50%
Assets	$25.5M -0.7% YoY+0.3% QoQ	$-4.3M	$29.9M +1.1% YoY	$210.9M +9.4% YoY	$547.7M +7.8% YoY	55%
Loans	$11.5M -5.7% YoY-3.2% QoQ	$-4.3M	$15.8M -2.4% YoY	$147.8M +9.0% YoY	$388.7M +8.6% YoY	54%
Deposits	$22.1M -0.3% YoY-0.1% QoQ	$-3.4M	$25.5M +0.4% YoY	$183.9M +12.2% YoY	$464.6M +9.3% YoY	56%

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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	0.5% -55.5% YoY+72.9% QoQ	-0.1%	0.7% -731.4% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	38%
NIM	5.2% +16.0% YoY+6.9% QoQ	+1.3%	3.9% +3.8% YoY	3.8% +3.2% YoY	3.7% +5.0% YoY	Top 10.2% in tier
Efficiency Ratio	84.0% +6.5% YoY-4.4% QoQ	+2.6%	81.4% -2.4% YoY	78.5% -6.5% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	1.0% -0.2% YoY-53.6% QoQ	-0.5	1.5% -2.0% YoY	1.2% +9.9% YoY	1.2% -0.9% YoY	62%
Loan To Share	52.0% -5.4% YoY-3.1% QoQ	-9.2%	61.2% -3.0% YoY	72.3% -3.7% YoY	68.0% -1.7% YoY	35%
AMR	$17,210 -1.4% YoY-1.4% QoQ	+$3K	$14,627 -2.7% YoY	$16,810 +3.4% YoY	$19,418 +1.3% YoY	68%
CD Concentration	5.0% +48.4% YoY+67.3% QoQ	-19.4%	24.4% +4.2% YoY	18.1% +9.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	12.6% -1.9% YoY+4.8% QoQ	-1.4%	14.0% -5.7% YoY	10.3% -9.1% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (1 metrics)

264

Net Interest Margin (NIM)

profitability

Value: 5.24%

Peer Avg: -

#264 of 2596 Top 10.1% in <100M tier

Top Weaknesses (2 metrics)

2382

Indirect Auto Concentration (%)

balance_sheet

Value: 12.59%

Peer Avg: -

#2382 of 2596 Bottom 8.3% in <100M tier

2373

Net Charge-Off Rate

risk

Value: 1.51%

Peer Avg: -

#2373 of 2596 Bottom 8.6% in <100M tier