BlastPoint's Credit Union Scorecard
JOPLIN METRO
Charter #64691 · MO
JOPLIN METRO demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.76% above tier average
- + Net Interest Margin 1.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 7.4% in tier
- + Deposit Growth Rate: Top 8.5% in tier
- + Total Loans: Top 9.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,782
+2.0% YoY+1.1% QoQ
|
+3.2K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 10.2% in tier |
| Assets |
$55.7M
+10.9% YoY+4.2% QoQ
|
+$25.5M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$40.9M
+9.8% YoY+1.2% QoQ
|
+$25.2M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 9.7% in tier |
| Deposits |
$45.7M
+10.8% YoY+4.1% QoQ
|
+$20.0M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
2.4%
+0.6% YoY-0.3% QoQ
|
+1.8% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Top 3.3% in tier |
| NIM |
5.5%
-3.1% YoY-1.7% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Top 6.9% in tier |
| Efficiency Ratio |
63.5%
-0.0% YoY-1.0% QoQ
|
-19.1% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.5%
-15.2% YoY+59.8% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
89.5%
-0.9% YoY-2.8% QoQ
|
+28.9% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 10.4% in tier |
| AMR |
$14,979
+8.1% YoY+1.6% QoQ
|
+$197 |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
11.5%
+9.5% YoY+20.8% QoQ
|
-12.9% | 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)