BlastPoint's Credit Union Scorecard
SOUTH CENTRAL MISSOURI
Charter #64222 · MO
SOUTH CENTRAL MISSOURI has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Delinquency rate 0.54% above tier average
- - Loan Growth Rate: Bottom 5.7% in tier
- - Fee Income Per Member: Bottom 9.1% in tier
- - AMR Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,929
-1.2% YoY-0.4% QoQ
|
-747 |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$9.2M
-2.6% YoY-1.2% QoQ
|
$-21.0M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$3.2M
-21.1% YoY-4.8% QoQ
|
$-12.1M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$7.8M
-3.1% YoY-1.4% QoQ
|
$-18.0M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
0.0%
-91.8% YoY-84.4% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
3.0%
+30.9% YoY+30.9% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
82.7%
-5.5% YoY-10.7% QoQ
|
-8.0% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
2.0%
+48.4% YoY-20.5% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
40.8%
-18.6% YoY-3.4% QoQ
|
-17.7% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
23% |
| AMR |
$5,662
-8.1% YoY-2.0% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)