BLUESCOPE EMPLOYEES'

Charter #64777 | MO

<100M (2596 CUs) Micro
60 <100M 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
 Bottom 20.8% in tier
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
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
 Bottom 19.1% in tier
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
 Top 16.5% in tier
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
 42nd in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
5
Member Growth Rate
growth
Value: 93.12%
Peer Avg: 14.92%
#5 of 2596 Top 0.2% in <100M tier
110
Members Per Employee (MPE)
engagement
Value: 730.000
Peer Avg: 365.701
#110 of 2596 Top 4.2% in <100M tier
243
Net Interest Margin (NIM)
profitability
Value: 5.32%
Peer Avg: 3.93%
#243 of 2596 Top 9.3% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier

Top Weaknesses (14 metrics)

2577
AMR Growth Rate
growth
Value: -56.60%
Peer Avg: 4.67%
#2577 of 2596 Bottom 0.8% in <100M tier
2550
Asset Growth Rate
growth
Value: -15.62%
Peer Avg: 1.82%
#2550 of 2596 Bottom 1.8% in <100M tier
2543
Deposit Growth Rate
growth
Value: -17.00%
Peer Avg: 16.80%
#2543 of 2596 Bottom 2.1% in <100M tier
2510
Average Member Relationship (AMR)
engagement
Value: $2,294
Peer Avg: $14,627
#2510 of 2596 Bottom 3.4% in <100M tier
2495
Fee Income Per Member
profitability
Value: $0.00
Peer Avg: $182.96
#2495 of 2596 Bottom 3.9% in <100M tier
2456
Loan-to-Member Ratio (LMR)
engagement
Value: $826.28
Peer Avg: $5,488
#2456 of 2596 Bottom 5.4% in <100M tier
2423
Total Assets
balance_sheet
Value: $1.22M
Peer Avg: $29.86M
#2423 of 2596 Bottom 6.7% in <100M tier
2399
Total Deposits
balance_sheet
Value: $1.07M
Peer Avg: $25.45M
#2399 of 2596 Bottom 7.6% in <100M tier
2379
Total Loans
balance_sheet
Value: $603,182
Peer Avg: $15.77M
#2379 of 2596 Bottom 8.4% in <100M tier
2288
Loan Growth Rate
growth
Value: -14.68%
Peer Avg: 59.01%
#2288 of 2596 Bottom 11.9% in <100M tier