BlastPoint's Credit Union Scorecard
ACADEMIC EMPLOYEES
Charter #67695 · MO
ACADEMIC EMPLOYEES has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 0.71% above tier average
- + Asset Growth Rate: Top 6.8% in tier
- + Deposit Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.0% YoY
- - Net Worth Ratio: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,393
-2.0% YoY-1.1% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$16.4M
+11.4% YoY+1.4% QoQ
|
$-13.7M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$8.3M
-2.7% YoY+1.4% QoQ
|
$-7.4M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$15.2M
+10.7% YoY+1.2% QoQ
|
$-10.5M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
1.4%
-7.3% YoY-6.3% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
4.7%
+9.0% YoY+0.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
71.6%
-0.8% YoY+2.6% QoQ
|
-10.9% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.1%
+276.0% YoY+79.8% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
54.9%
-12.1% YoY+0.2% QoQ
|
-5.7% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$16,877
+7.8% YoY+2.4% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
0.3%
-9.6% YoY-1.2% QoQ
|
-24.1% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
7.2%
+11.2% YoY-2.4% QoQ
|
-6.6% | 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)