BlastPoint's Credit Union Scorecard
SOUTHEAST MISSOURI COMMUNITY
Charter #67716 · MO
SOUTHEAST MISSOURI COMMUNITY has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.36% below tier average
- - Efficiency ratio 22.43% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Asset Growth Rate: Bottom 3.3% in tier
- - Deposit Growth Rate: Bottom 4.0% in tier
- - Net Worth Ratio: Bottom 6.0% in tier
- - AMR Growth Rate: Bottom 6.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,180
-3.2% YoY-2.0% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$6.5M
-11.7% YoY-5.5% QoQ
|
$-23.7M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$3.5M
-13.2% YoY-3.1% QoQ
|
$-12.3M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$5.9M
-12.7% YoY-6.0% QoQ
|
$-19.8M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
-0.7%
-55.4% YoY-15.6% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.2% in tier |
| NIM |
4.3%
+3.6% YoY+9.1% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
105.0%
-13.2% YoY-0.0% QoQ
|
+22.4% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 8.2% in tier |
| Delinquency Rate |
1.0%
+405.7% YoY-6.3% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
58.8%
-0.6% YoY+3.2% QoQ
|
-1.8% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$7,956
-10.1% YoY-3.0% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
30.5%
-28.7% YoY-18.3% QoQ
|
+6.1% | 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)