BlastPoint's Credit Union Scorecard
CO - LIB
Charter #64723 · MO
CO - LIB has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Strong member growth: 5.4% YoY
- + Net Charge-Off Rate: Top 2.5% in tier
- + Efficiency Ratio: Top 3.8% in tier
- + Loan Growth Rate: Top 3.8% in tier
- + Member Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Members: Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 5.8% in tier
- - Total Assets: Bottom 6.8% in tier
- - Total Deposits: Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
234
+5.4% YoY+0.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Bottom 5.4% in tier |
| Assets |
$1.3M
+3.3% YoY+0.9% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.8% in tier |
| Loans |
$870,025
+20.0% YoY-3.1% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.1% in tier |
| Deposits |
$1.1M
+2.8% YoY+1.1% QoQ
|
$-24.6M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.5% in tier |
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| ROA |
0.9%
-42.3% YoY-29.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
2.3%
-0.4% YoY-21.8% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio |
48.2%
+0.3% YoY+17.6% QoQ
|
-34.4% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 3.8% in tier |
| Delinquency Rate |
0.8%
-80.7% YoY+0.3% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
80.9%
+16.7% YoY-4.1% QoQ
|
+20.3% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$8,312
+4.2% YoY-1.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
20% |
| 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)
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)