BlastPoint's Credit Union Scorecard
SOUTHEAST MISSOURI COMMUNITY
Charter #67716 · MO
SOUTHEAST MISSOURI COMMUNITY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.56% below tier average
- - Efficiency ratio 23.63% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 4.3% in tier
- - Asset Growth Rate: Bottom 7.2% in tier
- - Share Certificate Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,204
-1.2% YoY-0.3% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$6.8M
-8.4% YoY-8.3% QoQ
|
$-23.0M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$3.6M
-13.1% YoY-6.5% QoQ
|
$-12.2M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$6.3M
-7.4% YoY-9.3% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
-0.9%
-25.2% YoY-56.5% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.0% in tier |
| NIM |
3.9%
-9.0% YoY+11.6% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
51% |
| Efficiency Ratio |
105.0%
-10.8% YoY-6.5% QoQ
|
+23.6% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Top 8.4% in tier |
| Delinquency Rate |
1.0%
+44.7% YoY-10.5% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
57.1%
-6.2% YoY+3.1% QoQ
|
-4.2% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$8,205
-8.4% YoY-8.0% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
37.3%
-1.8% YoY-9.6% QoQ
|
+12.9% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)