BlastPoint's Credit Union Scorecard

MISSOURI ELECTRIC COOPERATIVES EMPL

Charter #67739 · MO

100M-500M

1070 CUs in 100M-500M nationally 25 in MO

MISSOURI ELECTRIC COOPERATIVES EMPL has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.67% above tier average
+ Members Per Employee (MPE): Top 1.0% in tier
+ Efficiency Ratio: Top 1.3% in tier
+ Total Delinquency Rate (60+ days): Top 4.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Net Interest Margin (NIM): Bottom 2.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	13,713 +1.7% YoY+0.8% QoQ	-1.4K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	52%
Assets	$387.8M +12.8% YoY+5.9% QoQ	+$156.1M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	Top 12.9% in tier
Loans	$227.8M +4.9% YoY+1.0% QoQ	+$83.7M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	83%
Deposits	$336.1M +12.3% YoY+6.6% QoQ	+$135.0M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	Top 12.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +6.1% YoY+16.9% QoQ	+0.7%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	Top 13.5% in tier
NIM	2.3% +1.6% YoY+8.6% QoQ	-1.4%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	Bottom 2.3% in tier
Efficiency Ratio	46.4% -6.6% YoY-7.3% QoQ	-31.6%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	Top 1.3% in tier
Delinquency Rate	0.1% +19.9% YoY-13.2% QoQ	-0.7	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	Top 4.2% in tier
Loan To Share	67.8% -6.6% YoY-5.3% QoQ	-2.6%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	41%
AMR	$41,123 +7.3% YoY+3.4% QoQ	+$16K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	Top 5.6% in tier
CD Concentration	32.2% +16.0% YoY+0.5% QoQ	+7.9%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#66 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.30%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.2K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Organic Growth Engine

growth

#114 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.74%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.40%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Wallet Share Momentum

growth

#251 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.30%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#248 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.74%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#428 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.86%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#691 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 685.650

Peer Median: 309.176

#12 of 1070 Top 1.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 46.38%

Peer Median: 78.68%

#15 of 1070 Top 1.3% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: 0.61%

#46 of 1070 Top 4.2% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.78%

Peer Median: 3.91%

#49 of 1070 Top 4.5% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.00%

Peer Median: 0.35%

#50 of 1070 Top 4.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.29%

Peer Median: 3.30%

#51 of 1070 Top 4.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $41,123

Peer Median: $22,931

#60 of 1070 Top 5.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,615

Peer Median: $9,356

#76 of 1070 Top 7.0% in 100M-500M tier

133

Total Deposits

balance_sheet

Value: $336.09M

Peer Median: $171.29M

#133 of 1070 Top 12.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1045

Net Interest Margin (NIM)

profitability

Value: 2.27%

Peer Median: 3.62%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

883

Fee Income Per Member

profitability

Value: $98.01

Peer Median: $154.95

#883 of 1070 Bottom 17.6% in 100M-500M tier

855

First Mortgage Concentration (%)

balance_sheet

Value: 45.23%

Peer Median: 29.47%

#855 of 1070 Bottom 20.2% in 100M-500M tier

838

Share Certificate Concentration (%)

balance_sheet

Value: 32.17%

Peer Median: 23.10%

#838 of 1070 Bottom 21.8% in 100M-500M tier