BlastPoint's Credit Union Scorecard
MISSOURI ELECTRIC COOPERATIVES EMPL
Charter #67739 · MO
MISSOURI ELECTRIC COOPERATIVES EMPL has 14 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 29.2% in tier
- + Organic Growth Engine: Top 31.8% in tier
- + Wallet Share Momentum: Top 61.3% in tier
- + Organic Growth Leader: Top 64.2% in tier
- + ROA 0.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.0% in tier
- + Net Charge-Off Rate: Top 1.2% in tier
- + Efficiency Ratio: Top 1.6% in tier
- + Total Delinquency Rate (60+ days): Top 3.6% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
- + Deposit Growth Rate: Top 6.6% in tier
- + Loan-to-Member Ratio (LMR): Top 7.1% in tier
- + Asset Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 82.2% in tier
- - Credit Quality Pressure: Bottom 84.0% in tier
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Fee Income Per Member: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,601
+1.9% YoY-0.0% QoQ
|
-1.8K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$366.3M
+11.7% YoY+1.9% QoQ
|
+$134.5M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
85% |
| Loans |
$225.6M
+4.8% YoY+0.6% QoQ
|
+$78.3M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$315.3M
+12.3% YoY+2.8% QoQ
|
+$114.5M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.2%
+17.4% YoY-12.1% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
2.1%
+7.2% YoY-6.3% QoQ
|
-1.5% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio |
50.0%
-9.4% YoY+6.1% QoQ
|
-27.0% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate |
0.1%
+171.7% YoY-9.1% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
71.6%
-6.7% YoY-2.2% QoQ
|
-0.7% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$39,775
+7.0% YoY+1.9% QoQ
|
+$15K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 6.1% in tier |
| CD Concentration |
32.0%
+12.8% YoY+2.6% QoQ
|
+7.6% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)