BlastPoint's Credit Union Scorecard
BLUESCOPE EMPLOYEES'
Charter #64777 · MO
BLUESCOPE EMPLOYEES' has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 45.66% below tier average
- - Member decline: -26.6% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Asset Growth Rate: Bottom 0.4% in tier
- - Deposit Growth Rate: Bottom 0.4% in tier
- - Net Charge-Off Rate: Bottom 0.7% in tier
- - Member Growth Rate: Bottom 1.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
282
-26.6% YoY-20.1% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Bottom 7.4% in tier |
| Assets |
$738,476
-40.9% YoY-35.2% QoQ
|
$-29.5M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.1% in tier |
| Loans |
$462,182
-24.4% YoY-12.0% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.2% in tier |
| Deposits |
$673,311
-38.9% YoY-32.3% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.9% in tier |
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| ROA |
-45.5%
-21887.8% YoY+22572.9% QoQ
|
-45.7% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.2% in tier |
| NIM |
-2.1%
-139.6% YoY-138.0% QoQ
|
-6.1% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.2% in tier |
| Efficiency Ratio | - | - |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
- |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
68.6%
+23.7% YoY+30.1% QoQ
|
+10.1% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$4,027
-9.8% YoY-6.5% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.4% in tier |
| 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)