BlastPoint's Credit Union Scorecard
SOUTH CENTRAL MISSOURI
Charter #64222 · MO
SOUTH CENTRAL MISSOURI has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 10.02% above tier (higher cost structure)
- - Delinquency rate 1.02% above tier average
- - Loan Growth Rate: Bottom 4.0% in tier
- - Net Interest Margin (NIM): Bottom 5.8% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
- - Fee Income Per Member: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,936
-0.8% YoY-0.3% QoQ
|
-679 |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$9.4M
-1.5% YoY-3.5% QoQ
|
$-20.8M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$3.3M
-23.4% YoY-6.0% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$7.9M
-1.9% YoY-4.2% QoQ
|
$-17.8M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.2%
-32.9% YoY+1214.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
2.3%
-8.5% YoY+8.1% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.8% in tier |
| Efficiency Ratio |
92.6%
+15.1% YoY-6.0% QoQ
|
+10.0% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
2.6%
+79.4% YoY+10.4% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
42.2%
-22.0% YoY-1.8% QoQ
|
-18.4% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$5,780
-8.7% YoY-4.5% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 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)