BlastPoint's Credit Union Scorecard

ARSENAL

Charter #67195 · MO

100M-500M

1070 CUs in 100M-500M nationally 25 in MO

ARSENAL has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.12% above tier average
+ Total Members: Top 6.5% in tier
+ Total Loans: Top 6.7% in tier
+ Total Deposits: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.28% below tier average
- Delinquency rate 0.88% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	29,837 -1.6% YoY-0.8% QoQ	+14.7K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	Top 6.6% in tier
Assets	$395.1M -6.9% YoY-3.5% QoQ	+$163.4M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	Top 11.9% in tier
Loans	$290.1M -0.8% YoY-1.2% QoQ	+$145.9M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	Top 6.8% in tier
Deposits	$361.5M -8.5% YoY-3.9% QoQ	+$160.3M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	Top 8.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +146.0% YoY+61.0% QoQ	-0.3%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	33%
NIM	4.7% +29.0% YoY+11.9% QoQ	+1.1%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	Top 5.5% in tier
Efficiency Ratio	76.8% -12.3% YoY+0.4% QoQ	-1.2%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	1.7% -12.5% YoY-28.9% QoQ	+0.9	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	Bottom 8.2% in tier
Loan To Share	80.2% +8.4% YoY+2.8% QoQ	+9.8%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	69%
AMR	$21,837 -3.7% YoY-1.9% QoQ	$-3K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	43%
CD Concentration	11.5% -47.6% YoY-28.5% QoQ	-12.8%	24.3%	18.1%	19.8%	50%
Indirect Auto %	24.5% -20.4% YoY+1.4% QoQ	+10.7%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Accelerating Exit Risk

decline

#17 of 53 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -3.68%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Shrinking Wallet Share

decline

#86 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.68%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Stagnation Risk

risk

#227 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.83%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.65%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#413 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#201 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $395.08M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.83%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#454 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -6.94%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 24.55%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.75%

Peer Median: 3.62%

#59 of 1070 Top 5.4% in 100M-500M tier

Total Members

engagement

Value: 29,837

Peer Median: 13,200

#71 of 1070 Top 6.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $290.07M

Peer Median: $121.41M

#73 of 1070 Top 6.7% in 100M-500M tier

Total Deposits

balance_sheet

Value: $361.48M

Peer Median: $171.29M

#91 of 1070 Top 8.4% in 100M-500M tier

127

Total Assets

balance_sheet

Value: $395.08M

Peer Median: $196.57M

#127 of 1070 Top 11.8% in 100M-500M tier

133

Share Certificate Concentration (%)

balance_sheet

Value: 11.47%

Peer Median: 23.10%

#133 of 1070 Top 12.3% in 100M-500M tier

264

First Mortgage Concentration (%)

balance_sheet

Value: 17.21%

Peer Median: 29.47%

#264 of 1070 Top 24.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1059

Deposit Growth Rate

growth

Value: -8.51%

Peer Median: 3.30%

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1052

Asset Growth Rate

growth

Value: -6.94%

Peer Median: 3.91%

#1052 of 1070 Bottom 1.8% in 100M-500M tier

1039

Net Charge-Off Rate

risk

Value: 1.69%

Peer Median: 0.35%

#1039 of 1070 Bottom 3.0% in 100M-500M tier

996

AMR Growth Rate

growth

Value: -3.68%

Peer Median: 3.46%

#996 of 1070 Bottom 7.0% in 100M-500M tier

983

Total Delinquency Rate (60+ days)

risk

Value: 1.65%

Peer Median: 0.61%

#983 of 1070 Bottom 8.2% in 100M-500M tier

983

Net Worth Ratio

risk

Value: 8.53%

Peer Median: 11.45%

#983 of 1070 Bottom 8.2% in 100M-500M tier

840

Indirect Auto Concentration (%)

balance_sheet

Value: 24.55%

Peer Median: 6.61%

#840 of 1070 Bottom 21.6% in 100M-500M tier