BlastPoint's Credit Union Scorecard
JOPLIN METRO
Charter #64691 · MO
JOPLIN METRO demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.70% above tier average
- + Net Interest Margin 1.69% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 8.1% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,720
+1.7% YoY+1.0% QoQ
|
+3.1K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 10.7% in tier |
| Assets |
$53.5M
+8.1% YoY+2.2% QoQ
|
+$23.6M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$40.4M
+12.2% YoY+2.2% QoQ
|
+$24.7M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 10.2% in tier |
| Deposits |
$43.9M
+7.4% YoY+1.9% QoQ
|
+$18.4M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
2.4%
-7.2% YoY+7.0% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Top 4.5% in tier |
| NIM |
5.6%
-2.4% YoY+0.8% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
64.2%
+2.5% YoY-2.8% QoQ
|
-17.2% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.3%
+57.4% YoY-35.4% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
92.1%
+4.4% YoY+0.2% QoQ
|
+30.9% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 9.3% in tier |
| AMR |
$14,745
+7.9% YoY+1.0% QoQ
|
+$118 |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
9.5%
-6.8% YoY-3.8% QoQ
|
-14.9% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)