BlastPoint's Credit Union Scorecard
CO - LIB
Charter #64723 · MO
2596 CUs in <100M nationally
60 in MO
CO - LIB has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.3% in tier
- + Net Charge-Off Rate: Top 2.5% in tier
- + Loan Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 5.5% in tier
- - Total Members: Bottom 5.6% in tier
- - Total Assets: Bottom 6.9% in tier
- - Total Deposits: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
233
+0.4% YoY0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Bottom 5.5% in tier |
| Assets |
$1.3M
+2.8% YoY+3.9% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.9% in tier |
| Loans |
$897,825
+20.5% YoY+14.8% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.7% in tier |
| Deposits |
$1.1M
+2.2% YoY+4.5% QoQ
|
$-24.4M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.6% in tier |
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| ROA |
1.3%
-40.2% YoY-33.8% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
2.9%
+4.6% YoY-5.2% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio |
41.0%
-1.5% YoY+3.3% QoQ
|
-40.4% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.3% in tier |
| Delinquency Rate |
0.8%
-26.4% YoY-17.5% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
84.4%
+17.9% YoY+9.8% QoQ
|
+23.2% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$8,417
+9.4% YoY+9.0% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% |
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)
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
62
Efficiency Ratio
profitability
Value:
40.97%
Peer Avg: -
#62 of 2596
Top 2.3% in <100M tier
65
Net Charge-Off Rate
risk
Value:
-0.22%
Peer Avg: -
#65 of 2596
Top 2.5% in <100M tier
80
Loan Growth Rate
growth
Value:
20.51%
Peer Avg: -
#80 of 2596
Top 3.0% in <100M tier
279
AMR Growth Rate
growth
Value:
9.38%
Peer Avg: -
#279 of 2596
Top 10.7% in <100M tier
447
Loan-to-Share Ratio
balance_sheet
Value:
84.43%
Peer Avg: -
#447 of 2596
Top 17.2% in <100M tier
Top Weaknesses (8 metrics)
2455
Fee Income Per Member
profitability
Value:
$0.27
Peer Avg: -
#2455 of 2596
Bottom 5.5% in <100M tier
2451
Total Members
engagement
Value:
233
Peer Avg: -
#2451 of 2596
Bottom 5.6% in <100M tier
2417
Total Assets
balance_sheet
Value:
$1.25M
Peer Avg: -
#2417 of 2596
Bottom 6.9% in <100M tier
2400
Total Deposits
balance_sheet
Value:
$1.06M
Peer Avg: -
#2400 of 2596
Bottom 7.6% in <100M tier
2317
Total Loans
balance_sheet
Value:
$897,825
Peer Avg: -
#2317 of 2596
Bottom 10.8% in <100M tier
2215
Net Interest Margin (NIM)
profitability
Value:
2.88%
Peer Avg: -
#2215 of 2596
Bottom 14.7% in <100M tier
2040
Average Member Relationship (AMR)
engagement
Value:
$8,417
Peer Avg: -
#2040 of 2596
Bottom 21.5% in <100M tier
2025
Members Per Employee (MPE)
engagement
Value:
233.000
Peer Avg: -
#2025 of 2596
Bottom 22.0% in <100M tier