BlastPoint's Credit Union Scorecard

ST. LOUIS POLICEMEN`S

Charter #64425 · MO

<100M
2508 CUs in <100M nationally 59 in MO

ST. LOUIS POLICEMEN`S has 2 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.20% above tier average
  • + Members Per Employee (MPE): Top 4.7% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.18% above tier average
  • - Member decline: -3.5% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 2,096
-3.5% YoY-7.2% QoQ
-580 2,676
+1.6% YoY
15,395
-0.3% YoY
33,913
+5.7% YoY
54%
Assets $20.5M
-3.7% YoY+0.5% QoQ
$-9.7M $30.2M
+1.3% YoY
$217.9M
+8.5% YoY
$578.3M
+9.0% YoY
48%
Loans $8.1M
-3.9% YoY-4.3% QoQ
$-7.2M $15.3M
-2.0% YoY
$149.6M
+7.9% YoY
$402.4M
+8.7% YoY
46%
Deposits $16.7M
-5.4% YoY+0.4% QoQ
$-9.1M $25.8M
+0.7% YoY
$190.9M
+9.2% YoY
$494.3M
+9.1% YoY
48%

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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 0.3%
-19.9% QoQ
+0.2% 0.1%
-77.6% YoY
-0.4%
-263.3% YoY
0.4%
-39.2% YoY
37%
NIM 3.0%
+13.2% YoY+3.8% QoQ
-1.0% 4.0%
+4.0% YoY
3.9%
+2.8% YoY
3.8%
+4.1% YoY
19%
Efficiency Ratio 86.4%
+5.7% YoY+5.8% QoQ
-4.3% 90.6%
+6.5% YoY
82.5%
-4.9% YoY
84.6%
+2.8% YoY
61%
Delinquency Rate 1.7%
+75.8% YoY+3.4% QoQ
+0.2 1.5%
+3.8% YoY
1.1%
+7.9% YoY
1.2%
+3.4% YoY
77%
Loan To Share 48.3%
+1.6% YoY-4.7% QoQ
-10.2% 58.5%
-3.0% YoY
68.7%
-4.0% YoY
65.6%
-1.4% YoY
34%
AMR $11,836
-1.5% YoY+6.5% QoQ
$-3K $14,884
-1.7% YoY
$17,151
+1.8% YoY
$19,920
+1.6% YoY
38%
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)

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

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
119
Members Per Employee (MPE)
engagement
Value: 698.667
Peer Median: 333.750
#119 of 2508 Top 4.7% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (4 metrics)

2095
Deposit Growth Rate
growth
Value: -5.42%
Peer Median: 0.66%
#2095 of 2508 Bottom 16.5% in <100M tier
2029
Asset Growth Rate
growth
Value: -3.72%
Peer Median: 1.30%
#2029 of 2508 Bottom 19.1% in <100M tier
2023
Net Interest Margin (NIM)
profitability
Value: 3.03%
Peer Median: 3.83%
#2023 of 2508 Bottom 19.4% in <100M tier
1936
Total Delinquency Rate (60+ days)
risk
Value: 1.68%
Peer Median: 0.65%
#1936 of 2508 Bottom 22.8% in <100M tier
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