BlastPoint's Credit Union Scorecard
SOUTHEAST MISSOURI COMMUNITY
Charter #67716 · MO
SOUTHEAST MISSOURI COMMUNITY has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.59% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.25% above tier (higher cost structure)
- - Member decline: -7.6% YoY
- - Asset Growth Rate: Bottom 1.0% in tier
- - Deposit Growth Rate: Bottom 1.3% in tier
- - AMR Growth Rate: Bottom 6.1% in tier
- - Net Worth Ratio: Bottom 8.3% in tier
- - Member Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,118
-7.6% YoY-5.3% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$6.2M
-19.6% YoY-3.5% QoQ
|
$-23.9M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$3.4M
-11.8% YoY-2.3% QoQ
|
$-11.9M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$5.7M
-21.0% YoY-3.8% QoQ
|
$-20.1M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
0.3%
-110.2% YoY-133.8% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
4.6%
+46.6% YoY+7.6% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
93.9%
-29.3% YoY-10.6% QoQ
|
+3.3% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
0.9%
-44.8% YoY-6.4% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
59.8%
+11.6% YoY+1.5% QoQ
|
+1.3% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$8,124
-11.0% YoY+2.1% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
28.9%
-31.4% YoY-5.4% QoQ
|
+4.6% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 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)