BlastPoint's Credit Union Scorecard
BLUESCOPE EMPLOYEES'
Charter #64777 · MO
2556 CUs in <100M nationally
60 in MO
BLUESCOPE EMPLOYEES' has 5 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.52% 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
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Efficiency ratio 18.29% above tier (higher cost structure)
- - Delinquency rate 2.95% above tier average
- - Member decline: -7.8% YoY
- - Asset Growth Rate: Bottom 2.0% in tier
- - Deposit Growth Rate: Bottom 2.5% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Loan Growth Rate: Bottom 5.0% in tier
- - AMR Growth Rate: Bottom 5.5% in tier
- - Total Assets: Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 6.8% in tier
- - Total Deposits: Bottom 7.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
- - Total Loans: Bottom 7.6% in tier
- - Member Growth Rate: Bottom 8.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
- - Total Members: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
353
-7.8% YoY-51.6% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Bottom 9.4% in tier |
| Assets |
$1.1M
-14.6% YoY-6.5% QoQ
|
$-29.0M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.3% in tier |
| Loans |
$525,142
-21.0% YoY-12.9% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.6% in tier |
| Deposits |
$995,145
-16.1% YoY-7.1% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.1% in tier |
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| ROA |
-0.2%
+262.3% YoY-324.0% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.4% in tier |
| NIM |
5.5%
+3.0% YoY+2.8% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Top 7.4% in tier |
| Efficiency Ratio |
100.9%
+0.3% YoY+6.6% QoQ
|
+18.3% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 10.6% in tier |
| Delinquency Rate |
4.5%
+179.1% YoY+59.5% QoQ
|
+2.9 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Top 7.3% in tier |
| Loan To Share |
52.8%
-5.9% YoY-6.3% QoQ
|
-7.8% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$4,307
-10.9% YoY+87.8% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.8% in tier |
| 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)
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
189
Net Interest Margin (NIM)
profitability
Value:
5.47%
Peer Median: -
#189 of 2556
Top 7.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (15 metrics)
2506
Asset Growth Rate
growth
Value:
-14.59%
Peer Median: -
#2506 of 2556
Bottom 2.0% in <100M tier
2492
Deposit Growth Rate
growth
Value:
-16.08%
Peer Median: -
#2492 of 2556
Bottom 2.5% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2428
Loan Growth Rate
growth
Value:
-21.04%
Peer Median: -
#2428 of 2556
Bottom 5.0% in <100M tier
2416
AMR Growth Rate
growth
Value:
-10.88%
Peer Median: -
#2416 of 2556
Bottom 5.5% in <100M tier
2396
Total Assets
balance_sheet
Value:
$1.14M
Peer Median: -
#2396 of 2556
Bottom 6.3% in <100M tier
2382
Average Member Relationship (AMR)
engagement
Value:
$4,307
Peer Median: -
#2382 of 2556
Bottom 6.8% in <100M tier
2375
Total Deposits
balance_sheet
Value:
$995,145
Peer Median: -
#2375 of 2556
Bottom 7.1% in <100M tier
2371
Total Delinquency Rate (60+ days)
risk
Value:
4.50%
Peer Median: -
#2371 of 2556
Bottom 7.3% in <100M tier
2362
Total Loans
balance_sheet
Value:
$525,142
Peer Median: -
#2362 of 2556
Bottom 7.6% in <100M tier