BlastPoint's Credit Union Scorecard
CONSERVATION EMPLOYEES
Charter #64199 · MO
CONSERVATION EMPLOYEES has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 8.5% in tier
- + Organic Growth Leader: Top 21.8% in tier
- + Organic Growth Engine: Top 23.0% in tier
- + Relationship Depth Leader: Top 55.5% in tier
- + Emerging Performer: Top 88.4% in tier
- + ROA 0.11% above tier average
- + Net Charge-Off Rate: Top 1.9% in tier
- + Total Delinquency Rate (60+ days): Top 2.6% in tier
- + Members Per Employee (MPE): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25.2% in tier
- - Credit Risk Growth: Bottom 27.8% in tier
- - Net Interest Margin (NIM): Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,403
+1.7% YoY+0.6% QoQ
|
-6.2K |
15,628
-3.4% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$182.0M
+9.5% YoY+2.8% QoQ
|
$-49.3M |
$231.3M
-0.0% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$119.4M
+2.6% YoY+1.9% QoQ
|
$-28.4M |
$147.8M
-1.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$165.0M
+9.0% YoY+2.6% QoQ
|
$-35.3M |
$200.3M
-0.0% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
48% |
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| ROA |
0.9%
+164.3% YoY+27.0% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
2.6%
+12.1% YoY+1.1% QoQ
|
-1.0% |
3.6%
+6.9% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio |
70.8%
-18.2% YoY-8.0% QoQ
|
-6.5% |
77.3%
-3.0% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.1%
+272.0% YoY-6.0% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 2.6% in tier |
| Loan To Share |
72.4%
-5.9% YoY-0.7% QoQ
|
-0.3% |
72.7%
-1.5% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$30,246
+4.5% YoY+1.7% QoQ
|
+$6K |
$24,363
+2.9% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
35.7%
+7.6% YoY+4.2% QoQ
|
+11.3% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.3%
+22.6% YoY+1.8% QoQ
|
-5.7% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)