BlastPoint's Credit Union Scorecard
PATRIOT
Charter #64856 · MO
PATRIOT has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Asset Growth Rate: Top 5.5% in tier
- + Deposit Growth Rate: Top 5.5% in tier
- + Loan-to-Share Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 3.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,516
-1.1% YoY-3.6% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$16.6M
+12.3% YoY+1.7% QoQ
|
$-13.5M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$13.8M
+0.7% YoY-4.1% QoQ
|
$-1.9M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$15.3M
+13.0% YoY+1.7% QoQ
|
$-10.4M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.6%
-29.6% YoY-0.6% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
3.8%
-1.7% YoY+2.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
76.3%
+5.2% YoY-0.1% QoQ
|
-6.2% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.6%
+223.5% YoY+22.8% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
90.3%
-10.8% YoY-5.7% QoQ
|
+29.7% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 9.7% in tier |
| AMR |
$19,217
+8.0% YoY+2.6% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
76% |
| 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)
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)