BlastPoint's Credit Union Scorecard

MISSOURI ELECTRIC COOPERATIVES EMPL

Charter #67739 · MO

1077 CUs in 100M-500M nationally 24 in MO

MISSOURI ELECTRIC COOPERATIVES EMPL has 14 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

+ Organic Growth Engine: Top 6.4% in tier
+ Credit Quality Leader: Top 13.3% in tier
+ Organic Growth Leader: Top 17.3% in tier
+ Relationship Depth Leader: Top 44.1% in tier
+ Profitability Leader: Top 58.4% in tier
+ Wallet Share Momentum: Top 84.6% in tier
+ ROA 0.58% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 0.9% in tier
+ Members Per Employee (MPE): Top 0.9% in tier
+ Efficiency Ratio: Top 1.1% in tier
+ Total Delinquency Rate (60+ days): Top 3.9% in tier
+ Average Member Relationship (AMR): Top 6.1% in tier
+ Loan-to-Member Ratio (LMR): Top 7.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 24.4% in tier
- Credit Quality Pressure: Bottom 25.2% in tier
- Net Interest Margin (NIM): Bottom 3.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	13,605 +2.3% YoY+0.1% QoQ	-2.0K	15,628 -3.4% YoY	15,920 +4.0% YoY	33,089 +6.1% YoY	50%
Assets	$359.4M +10.0% YoY+2.3% QoQ	+$128.1M	$231.3M -0.0% YoY	$210.9M +9.4% YoY	$547.7M +7.8% YoY	84%
Loans	$224.3M +5.3% YoY+1.5% QoQ	+$76.5M	$147.8M -1.4% YoY	$147.8M +9.0% YoY	$388.7M +8.6% YoY	81%
Deposits	$306.6M +10.3% YoY+2.2% QoQ	+$106.3M	$200.3M -0.0% YoY	$183.9M +12.2% YoY	$464.6M +9.3% YoY	83%

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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% +39.9% YoY+1.2% QoQ	+0.6%	0.8% +15.5% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	84%
NIM	2.2% +16.2% YoY+0.1% QoQ	-1.3%	3.6% +6.9% YoY	3.8% +3.2% YoY	3.7% +5.0% YoY	Bottom 3.3% in tier
Efficiency Ratio	47.1% -16.4% YoY-1.6% QoQ	-30.1%	77.3% -3.0% YoY	78.5% -6.5% YoY	79.1% -3.3% YoY	Bottom 1.1% in tier
Delinquency Rate	0.1% +80.1% YoY-24.0% QoQ	-0.8	0.9% +7.6% YoY	1.2% +9.9% YoY	1.2% -0.9% YoY	Bottom 3.9% in tier
Loan To Share	73.1% -4.5% YoY-0.7% QoQ	+0.4%	72.7% -1.5% YoY	72.3% -3.7% YoY	68.0% -1.7% YoY	48%
AMR	$39,021 +5.7% YoY+1.8% QoQ	+$15K	$24,363 +2.9% YoY	$16,810 +3.4% YoY	$19,418 +1.3% YoY	Top 6.2% in tier
CD Concentration	31.2% +13.2% YoY+7.8% QoQ	+6.8%	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 (6)

Organic Growth Engine

growth

#119 of 603 • Top 6.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.31%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.36%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Credit Quality Leader

growth

#46 of 340 • Top 13.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.09%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Organic Growth Leader

growth

#229 of 430 • Top 17.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.31%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#114 of 257 • Top 44.1% 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): 5.66%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.1K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Profitability Leader

growth

#199 of 340 • Top 58.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.36%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.39% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Wallet Share Momentum

growth

#407 of 481 • Top 84.6% in tier

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

Why This Signature

AMR Growth (YoY): 5.66%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#366 of 446 • Bottom 24.4% in tier

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

Why This Signature

Loan Growth (YoY): 5.26%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#625 of 736 • Bottom 25.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.00%

Peer Avg: -

#11 of 1077 Top 0.9% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 680.250

Peer Avg: -

#11 of 1077 Top 0.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 47.13%

Peer Avg: -

#13 of 1077 Top 1.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Avg: -

#43 of 1077 Top 3.9% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $39,021

Peer Avg: -

#67 of 1077 Top 6.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,483

Peer Avg: -

#80 of 1077 Top 7.3% in 100M-500M tier

117

Deposit Growth Rate

growth

Value: 10.27%

Peer Avg: -

#117 of 1077 Top 10.8% in 100M-500M tier

123

Asset Growth Rate

growth

Value: 9.99%

Peer Avg: -

#123 of 1077 Top 11.3% in 100M-500M tier

168

Return on Assets (ROA)

profitability

Value: 1.36%

Peer Avg: -

#168 of 1077 Top 15.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1041

Net Interest Margin (NIM)

profitability

Value: 2.23%

Peer Avg: -

#1041 of 1077 Bottom 3.4% in 100M-500M tier

940

Fee Income Per Member

profitability

Value: $94.24

Peer Avg: -

#940 of 1077 Bottom 12.8% in 100M-500M tier

862

First Mortgage Concentration (%)

balance_sheet

Value: 45.16%

Peer Avg: -

#862 of 1077 Bottom 20.1% in 100M-500M tier

816

Share Certificate Concentration (%)

balance_sheet

Value: 31.22%

Peer Avg: -

#816 of 1077 Bottom 24.3% in 100M-500M tier