BlastPoint's Credit Union Scorecard

ST. LOUIS POLICEMEN`S

Charter #64425 · MO

<100M
2556 CUs in <100M nationally 60 in MO

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

Key Strengths

Areas where this CU excels compared to peers

  • + Members Per Employee (MPE): Top 9.2% in tier
  • + Member Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.19% below tier average
  • - Delinquency rate 0.07% above tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 2,259
+3.3% YoY+4.9% QoQ
-356 2,615
-1.9% YoY
15,911
+2.9% YoY
33,374
+5.7% YoY
56%
Assets $20.4M
+0.0% YoY-4.1% QoQ
$-9.8M $30.1M
+2.1% YoY
$212.3M
+9.5% YoY
$561.6M
+9.7% YoY
48%
Loans $8.4M
+0.5% YoY-0.8% QoQ
$-7.3M $15.8M
-1.3% YoY
$149.4M
+8.7% YoY
$397.0M
+8.8% YoY
46%
Deposits $16.7M
-0.7% YoY-5.4% QoQ
$-9.0M $25.7M
+1.4% YoY
$185.2M
+10.6% YoY
$477.3M
+9.7% YoY
48%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.4%
+185.2% YoY+77.3% QoQ
-0.2% 0.6%
+10.8% YoY
0.7%
+53.7% YoY
0.7%
+15.9% YoY
36%
NIM 2.9%
+10.4% YoY+6.0% QoQ
-1.0% 4.0%
+4.0% YoY
3.8%
+3.0% YoY
3.8%
+5.1% YoY
17%
Efficiency Ratio 81.7%
-4.7% YoY-4.1% QoQ
-0.9% 82.6%
-2.3% YoY
77.6%
-5.0% YoY
79.7%
-3.3% YoY
55%
Delinquency Rate 1.6%
-21.5% YoY-4.8% QoQ
+0.1 1.6%
-3.1% YoY
1.3%
+20.7% YoY
1.3%
-2.1% YoY
73%
Loan To Share 50.6%
+1.2% YoY+4.9% QoQ
-10.0% 60.6%
-3.1% YoY
71.1%
-4.0% YoY
67.4%
-1.7% YoY
34%
AMR $11,109
-3.5% YoY-8.4% QoQ
$-4K $14,783
-1.4% YoY
$16,896
+3.0% YoY
$19,687
+2.0% YoY
34%
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)

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 2556 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
236
Members Per Employee (MPE)
engagement
Value: 564.750
Peer Median: -
#236 of 2556 Top 9.2% in <100M tier
244
Member Growth Rate
growth
Value: 3.29%
Peer Median: -
#244 of 2556 Top 9.5% in <100M tier

Top Weaknesses (2 metrics)

2129
Net Interest Margin (NIM)
profitability
Value: 2.91%
Peer Median: -
#2129 of 2556 Bottom 16.7% in <100M tier
2013
AMR Growth Rate
growth
Value: -3.51%
Peer Median: -
#2013 of 2556 Bottom 21.3% in <100M tier
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