BlastPoint's Credit Union Scorecard
CO - LIB
Charter #64723 · MO
CO - LIB has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.55% above tier average
- + Loan Growth Rate: Top 2.2% in tier
- + Efficiency Ratio: Top 3.2% in tier
- + Net Charge-Off Rate: Top 5.5% in tier
- + AMR Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 5.5% in tier
- - Fee Income Per Member: Bottom 5.7% in tier
- - Total Assets: Bottom 7.1% in tier
- - Total Deposits: Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
231
+0.4% YoY-1.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Bottom 5.4% in tier |
| Assets |
$1.3M
+5.1% YoY+5.7% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.1% in tier |
| Loans |
$842,799
+26.1% YoY-3.1% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.3% in tier |
| Deposits |
$1.1M
+4.1% YoY+5.5% QoQ
|
$-24.6M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.6% in tier |
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| ROA |
4.7%
+121.3% YoY+411.2% QoQ
|
+4.6% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
Top 0.7% in tier |
| NIM |
3.4%
-5.1% YoY+49.9% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
45.6%
+9.9% YoY-5.4% QoQ
|
-45.0% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
Top 3.2% in tier |
| Delinquency Rate |
0.8%
-34.0% YoY-1.9% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
74.3%
+21.1% YoY-8.2% QoQ
|
+15.8% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$8,559
+12.0% YoY+3.0% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
21% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 7.7% | 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)