BlastPoint's Credit Union Scorecard
CO - LIB
Charter #64723 · MO
CO - LIB has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.57% above tier average
- + Efficiency Ratio: Top 2.5% in tier
- + Asset Growth Rate: Top 3.4% in tier
- + Net Charge-Off Rate: Top 4.0% in tier
- + Deposit Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 4.6% in tier
- - Total Members: Bottom 5.7% in tier
- - Total Assets: Bottom 6.9% in tier
- - Total Deposits: Bottom 7.4% in tier
- - Total Loans: Bottom 9.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits +13.5% year over year ($1.2M in shares and deposits).
- Membership: 233 members, +0.0% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 4.06%.
- Efficiency ratio 44.89% vs a 88.77% peer average.
- Loan-to-share ratio 70.05% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
233
0% YoY+0.9% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Bottom 5.6% in tier |
| Assets |
$1.4M
+13.6% YoY+2.5% QoQ
|
$-28.9M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.9% in tier |
| Loans |
$809,003
+3.4% YoY-4.0% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.9% in tier |
| Deposits |
$1.2M
+13.5% YoY+1.8% QoQ
|
$-24.6M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.4% in tier |
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| ROA |
4.1%
+107.5% YoY-13.6% QoQ
|
+2.6% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Top 2.4% in tier |
| NIM |
2.8%
-6.5% YoY-15.8% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio |
44.9%
+13.2% YoY-1.5% QoQ
|
-43.9% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
Top 2.5% in tier |
| Delinquency Rate |
0.8%
-19.9% YoY-1.3% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
70.1%
-8.9% YoY-5.7% QoQ
|
+11.2% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$8,429
+9.1% YoY-1.5% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 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)