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 1.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.33% below tier average
- - Delinquency rate 0.11% above tier average
- - Fee Income Per Member: Bottom 7.2% in tier
- - Loan Growth Rate: Bottom 7.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits -4.6% year over year ($7.7M in shares and deposits).
- Membership: 1,920 members, -1.3% vs a year ago.
- Delinquency rate 1.66%.
- Return on assets 0.16%.
- Efficiency ratio 76.58% vs a 88.77% peer average.
- Loan-to-share ratio 37.65% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,920
-1.3% YoY-0.5% QoQ
|
-665 |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$9.2M
-3.7% YoY-0.4% QoQ
|
$-21.1M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$2.9M
-19.1% YoY-8.2% QoQ
|
$-12.6M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$7.7M
-4.6% YoY-0.6% QoQ
|
$-18.1M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA | 0.2% | -1.3% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.6% in tier |
| NIM |
3.0%
+37.7% YoY-0.2% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
76.6%
-19.8% YoY-7.4% QoQ
|
-12.2% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
1.7%
-8.3% YoY-18.9% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
37.7%
-15.1% YoY-7.6% QoQ
|
-21.2% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$5,529
-7.8% YoY-2.3% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.2% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 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)