BlastPoint's Credit Union Scorecard
ACADEMIC EMPLOYEES
Charter #67695 · MO
ACADEMIC EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.90% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Net Worth Ratio: Bottom 3.0% in tier
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits +6.6% year over year ($15.8M in shares and deposits).
- Membership: 1,387 members, -1.9% vs a year ago.
- Delinquency rate 0.90%.
- Return on assets 1.34%.
- Efficiency ratio 66.28% vs a 88.77% peer average.
- Loan-to-share ratio 54.22% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,387
-1.9% YoY-0.4% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$17.2M
+7.3% YoY-0.0% QoQ
|
$-13.1M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$8.6M
+1.0% YoY-4.1% QoQ
|
$-6.9M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$15.8M
+6.6% YoY-0.3% QoQ
|
$-10.0M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
1.3%
-12.2% YoY+30.2% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
4.8%
+4.1% YoY+2.8% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
85% |
| Efficiency Ratio |
66.3%
-5.2% YoY-2.7% QoQ
|
-22.5% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
0.9%
+211.2% YoY-12.3% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
54.2%
-5.2% YoY-3.8% QoQ
|
-4.7% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$17,575
+6.6% YoY-1.3% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
0.3%
-6.0% YoY+0.3% QoQ
|
-24.3% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
10.5%
+29.9% YoY-7.2% QoQ
|
-3.1% | 13.6% | 9.9% | 7.7% | 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)