BlastPoint's Credit Union Scorecard

CONSERVATION EMPLOYEES

Charter #64199 · MO

1069 CUs in 100M-500M nationally 24 in MO

CONSERVATION EMPLOYEES has 9 strengths but faces 3 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

+ Organic Growth Engine: Top 52.4% in tier
+ Relationship Depth Leader: Top 53.2% in tier
+ Organic Growth Leader: Top 63.3% in tier
+ Emerging Performer: Top 75.7% in tier
+ ROA 0.25% above tier average
+ Total Delinquency Rate (60+ days): Top 2.4% in tier
+ Net Charge-Off Rate: Top 3.0% in tier
+ Members Per Employee (MPE): Top 4.7% in tier
+ Asset Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 96.2% in tier
- Credit Risk Growth: Bottom 98.5% in tier
- Net Interest Margin (NIM): Bottom 6.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	9,445 +1.9% YoY+0.4% QoQ	-6.0K	15,437 -2.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	27%
Assets	$188.0M +11.2% YoY+3.3% QoQ	$-43.9M	$231.9M +1.3% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	47%
Loans	$119.6M +1.9% YoY+0.2% QoQ	$-27.7M	$147.3M -0.1% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	48%
Deposits	$170.5M +10.6% YoY+3.3% QoQ	$-30.3M	$200.8M +0.8% YoY	$185.2M +10.6% YoY	$477.3M +9.7% YoY	50%

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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	1.0% +138.2% YoY+13.2% QoQ	+0.3%	0.8% +18.2% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	69%
NIM	2.6% +10.1% YoY-0.7% QoQ	-1.0%	3.6% +6.7% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	Bottom 6.7% in tier
Efficiency Ratio	66.1% -20.8% YoY-6.6% QoQ	-10.9%	77.0% -3.1% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	17%
Delinquency Rate	0.1% +30.7% YoY+11.8% QoQ	-0.8	0.9% +4.2% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	Bottom 2.4% in tier
Loan To Share	70.2% -7.8% YoY-3.1% QoQ	-2.0%	72.2% -1.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	42%
AMR	$30,718 +4.8% YoY+1.6% QoQ	+$6K	$24,676 +3.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	84%
CD Concentration	36.6% +8.2% YoY+2.4% QoQ	+12.1%	24.4%	18.2%	19.8%	50%
Indirect Auto %	9.0% +30.8% YoY+8.2% QoQ	-4.8%	13.8%	10.0%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#312 of 595 • Top 52.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.92%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.02%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 9.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#143 of 268 • Top 53.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.81%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Organic Growth Leader

growth

#270 of 426 • Top 63.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.92%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 9.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#138 of 182 • Top 75.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.02%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.92%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#678 of 705 • Bottom 96.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#449 of 456 • Bottom 98.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.90%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: -

#27 of 1069 Top 2.4% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: -

#33 of 1069 Top 3.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 524.722

Peer Median: -

#51 of 1069 Top 4.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.20%

Peer Median: -

#96 of 1069 Top 8.9% in 100M-500M tier

108

Deposit Growth Rate

growth

Value: 10.58%

Peer Median: -

#108 of 1069 Top 10.0% in 100M-500M tier

174

Average Member Relationship (AMR)

engagement

Value: $30,718

Peer Median: -

#174 of 1069 Top 16.2% in 100M-500M tier

183

Efficiency Ratio

profitability

Value: 66.10%

Peer Median: -

#183 of 1069 Top 17.0% in 100M-500M tier

216

Loan-to-Member Ratio (LMR)

engagement

Value: $12,668

Peer Median: -

#216 of 1069 Top 20.1% in 100M-500M tier

Top Weaknesses (4 metrics)

997

Net Interest Margin (NIM)

profitability

Value: 2.56%

Peer Median: -

#997 of 1069 Bottom 6.8% in 100M-500M tier

948

Share Certificate Concentration (%)

balance_sheet

Value: 36.58%

Peer Median: -

#948 of 1069 Bottom 11.4% in 100M-500M tier

914

Fee Income Per Member

profitability

Value: $101.51

Peer Median: -

#914 of 1069 Bottom 14.6% in 100M-500M tier

849

Net Worth Ratio

risk

Value: 9.52%

Peer Median: -

#849 of 1069 Bottom 20.7% in 100M-500M tier