BlastPoint's Credit Union Scorecard

MISSOURI ELECTRIC COOPERATIVES EMPL

Charter #67739 · MO

100M-500M

1024 CUs in 100M-500M nationally 22 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 0.52% above tier average
+ Members Per Employee (MPE): Top 1.0% in tier
+ Efficiency Ratio: Top 1.4% in tier
+ Deposit Growth Rate: Top 3.0% 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 2.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
Shares and deposits +14.7% year over year ($344M in shares and deposits).
Membership: 13,858 members, +2.0% vs a year ago.
Delinquency rate 0.13%.
Return on assets 1.38%.
Efficiency ratio 46.48% vs a 76.73% peer average.
Loan-to-share ratio 67.34% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	13,858 +2.0% YoY+1.1% QoQ	-1.3K	15,168 -2.6% YoY	15,766 -0.3% YoY	34,678 +6.6% YoY	53%
Assets	$396.8M +13.0% YoY+2.3% QoQ	+$164.7M	$232.0M +0.7% YoY	$225.8M +8.3% YoY	$593.1M +10.2% YoY	Top 11.9% in tier
Loans	$231.7M +4.8% YoY+1.7% QoQ	+$85.4M	$146.3M +0.2% YoY	$157.5M +9.5% YoY	$418.6M +10.1% YoY	83%
Deposits	$344.0M +14.7% YoY+2.4% QoQ	+$143.3M	$200.7M +0.2% YoY	$197.6M +8.9% YoY	$504.8M +10.3% YoY	Top 10.8% 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% +2.6% YoY-1.3% QoQ	+0.5%	0.9% +12.5% YoY	1.4% +222.5% YoY	1.2% +121.4% YoY	84%
NIM	2.3% +1.1% YoY-0.8% QoQ	-1.4%	3.7% +4.5% YoY	3.8% +0.7% YoY	3.8% +2.3% YoY	Bottom 1.9% in tier
Efficiency Ratio	46.5% -3.0% YoY+0.2% QoQ	-30.3%	76.7% -0.8% YoY	83.2% +2.3% YoY	83.0% -5.3% YoY	Top 1.4% in tier
Delinquency Rate	0.1% +10.9% YoY+85.0% QoQ	-0.8	0.9% +6.6% YoY	1.1% -8.7% YoY	1.3% +2.6% YoY	Top 7.4% in tier
Loan To Share	67.3% -8.6% YoY-0.7% QoQ	-4.2%	71.5% -0.3% YoY	69.6% -2.9% YoY	66.4% -1.4% YoY	38%
AMR	$41,542 +8.4% YoY+1.0% QoQ	+$16K	$25,107 +3.2% YoY	$17,444 +4.9% YoY	$20,028 -0.9% YoY	Top 5.5% in tier
CD Concentration	34.3% +18.6% YoY+6.7% QoQ	+9.8%	24.6%	18.3%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	9.9%	7.7%	50%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#59 of 262 • 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): 8.35%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.2K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth

#98 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.99%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.38%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#188 of 483 • 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): 8.35%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Leader

growth

#213 of 342 • 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): 1.99%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Concerns (2)

Credit Risk Growth

risk

#422 of 472 • 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): 4.84%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#654 of 693 • 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: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY

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 1024 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 692.900

Peer Median: 310.924

#11 of 1024 Top 1.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 46.48%

Peer Median: 77.26%

#15 of 1024 Top 1.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 14.68%

Peer Median: 3.58%

#32 of 1024 Top 3.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.98%

Peer Median: 4.12%

#43 of 1024 Top 4.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $41,542

Peer Median: $23,006

#56 of 1024 Top 5.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.71%

#77 of 1024 Top 7.4% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: 0.34%

#82 of 1024 Top 7.9% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,718

Peer Median: $9,434

#82 of 1024 Top 7.9% in 100M-500M tier

111

Total Deposits

balance_sheet

Value: $344.02M

Peer Median: $170.77M

#111 of 1024 Top 10.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1005

Net Interest Margin (NIM)

profitability

Value: 2.26%

Peer Median: 3.67%

#1005 of 1024 Bottom 2.0% in 100M-500M tier

876

Fee Income Per Member

profitability

Value: $97.83

Peer Median: $159.88

#876 of 1024 Bottom 14.6% in 100M-500M tier

847

Share Certificate Concentration (%)

balance_sheet

Value: 34.33%

Peer Median: 23.39%

#847 of 1024 Bottom 17.4% in 100M-500M tier

815

First Mortgage Concentration (%)

balance_sheet

Value: 45.32%

Peer Median: 29.92%

#815 of 1024 Bottom 20.5% in 100M-500M tier