BlastPoint's Credit Union Scorecard
FEDCO
Charter #64397 · MO
<100M
2508 CUs in <100M nationally
59 in MO
FEDCO has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.6% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
400
+1.5% YoY-2.7% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Bottom 11.0% in tier |
| Assets |
$7.0M
+6.0% YoY+5.6% QoQ
|
$-23.2M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$2.0M
+9.8% YoY+1.3% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$6.2M
+6.1% YoY+6.3% QoQ
|
$-19.5M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
0.1%
-18.1% YoY-91.4% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
0.5%
+17.6% YoY-49.8% QoQ
|
-3.5% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.5% in tier |
| Efficiency Ratio |
67.0%
-14.5% YoY+127.4% QoQ
|
-23.7% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
21% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
31.7%
+3.4% YoY-4.7% QoQ
|
-26.8% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.8% in tier |
| AMR |
$20,565
+5.4% YoY+7.9% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
80% |
| 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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
262
Loan Growth Rate
growth
Value:
9.78%
Peer Median: -2.36%
#262 of 2508
Top 10.4% in <100M tier
469
Deposit Growth Rate
growth
Value:
6.14%
Peer Median: 0.66%
#469 of 2508
Top 18.7% in <100M tier
492
Asset Growth Rate
growth
Value:
5.98%
Peer Median: 1.30%
#492 of 2508
Top 19.6% in <100M tier
495
Member Growth Rate
growth
Value:
1.52%
Peer Median: -1.37%
#495 of 2508
Top 19.7% in <100M tier
499
Average Member Relationship (AMR)
engagement
Value:
$20,565
Peer Median: $13,926
#499 of 2508
Top 19.9% in <100M tier
523
Efficiency Ratio
profitability
Value:
66.95%
Peer Median: 81.45%
#523 of 2508
Top 20.8% in <100M tier
Top Weaknesses (8 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2495
Net Interest Margin (NIM)
profitability
Value:
0.47%
Peer Median: 3.83%
#2495 of 2508
Bottom 0.6% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2233
Total Members
engagement
Value:
400
Peer Median: 1,918
#2233 of 2508
Bottom 11.0% in <100M tier
2184
Loan-to-Share Ratio
balance_sheet
Value:
31.73%
Peer Median: 58.72%
#2184 of 2508
Bottom 13.0% in <100M tier
2065
Total Loans
balance_sheet
Value:
$1.98M
Peer Median: $9.48M
#2065 of 2508
Bottom 17.7% in <100M tier
1919
Return on Assets (ROA)
profitability
Value:
0.06%
Peer Median: 0.61%
#1919 of 2508
Bottom 23.5% in <100M tier
1890
Net Worth Ratio
risk
Value:
11.00%
Peer Median: 14.28%
#1890 of 2508
Bottom 24.7% in <100M tier