BlastPoint's Credit Union Scorecard
BLUESCOPE EMPLOYEES'
Charter #64777 · MO
2596 CUs in <100M nationally
60 in MO
BLUESCOPE EMPLOYEES' has 8 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.39% above tier average
- + Strong member growth: 93.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.2% in tier
- + Members Per Employee (MPE): Top 4.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 13.25% above tier (higher cost structure)
- - Delinquency rate 1.31% above tier average
- - AMR Growth Rate: Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 1.8% in tier
- - Deposit Growth Rate: Bottom 2.1% in tier
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
- - Total Assets: Bottom 6.7% in tier
- - Total Deposits: Bottom 7.6% in tier
- - Total Loans: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
730
+93.1% YoY+0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$1.2M
-15.6% YoY-3.4% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.7% in tier |
| Loans |
$603,182
-14.7% YoY-7.3% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.4% in tier |
| Deposits |
$1.1M
-17.0% YoY-3.7% QoQ
|
$-24.4M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.6% in tier |
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| ROA |
0.1%
-70.6% YoY-77.7% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
5.3%
+6.4% YoY-1.0% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 9.4% in tier |
| Efficiency Ratio |
94.6%
+1.5% YoY+8.6% QoQ
|
+13.3% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
2.8%
+814.5% YoY+114.8% QoQ
|
+1.3 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Top 13.1% in tier |
| Loan To Share |
56.3%
+2.8% YoY-3.7% QoQ
|
-4.9% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$2,294
-56.6% YoY-5.1% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
5
Member Growth Rate
growth
Value:
93.12%
Peer Avg: -
#5 of 2596
Top 0.2% in <100M tier
110
Members Per Employee (MPE)
engagement
Value:
730.000
Peer Avg: -
#110 of 2596
Top 4.2% in <100M tier
243
Net Interest Margin (NIM)
profitability
Value:
5.32%
Peer Avg: -
#243 of 2596
Top 9.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (14 metrics)
2577
AMR Growth Rate
growth
Value:
-56.60%
Peer Avg: -
#2577 of 2596
Bottom 0.8% in <100M tier
2550
Asset Growth Rate
growth
Value:
-15.62%
Peer Avg: -
#2550 of 2596
Bottom 1.8% in <100M tier
2543
Deposit Growth Rate
growth
Value:
-17.00%
Peer Avg: -
#2543 of 2596
Bottom 2.1% in <100M tier
2510
Average Member Relationship (AMR)
engagement
Value:
$2,294
Peer Avg: -
#2510 of 2596
Bottom 3.4% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2456
Loan-to-Member Ratio (LMR)
engagement
Value:
$826.28
Peer Avg: -
#2456 of 2596
Bottom 5.4% in <100M tier
2423
Total Assets
balance_sheet
Value:
$1.22M
Peer Avg: -
#2423 of 2596
Bottom 6.7% in <100M tier
2399
Total Deposits
balance_sheet
Value:
$1.07M
Peer Avg: -
#2399 of 2596
Bottom 7.6% in <100M tier
2379
Total Loans
balance_sheet
Value:
$603,182
Peer Avg: -
#2379 of 2596
Bottom 8.4% in <100M tier
2288
Loan Growth Rate
growth
Value:
-14.68%
Peer Avg: -
#2288 of 2596
Bottom 11.9% in <100M tier