BlastPoint's Credit Union Scorecard
ST. AUGUSTINE
Charter #67750 · MO
<100M
2556 CUs in <100M nationally
60 in MO
ST. AUGUSTINE has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.6% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 4.6% in tier
- - Asset Growth Rate: Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 6.8% in tier
- - Total Assets: Bottom 7.6% in tier
- - Total Deposits: Bottom 8.3% in tier
- - Member Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
426
-7.6% YoY-0.2% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Bottom 11.7% in tier |
| Assets |
$1.5M
-9.8% YoY+1.9% QoQ
|
$-28.6M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.5% in tier |
| Loans |
$1.3M
+4.1% YoY+3.6% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.3% in tier |
| Deposits |
$1.3M
-12.2% YoY+2.0% QoQ
|
$-24.4M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.3% in tier |
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| ROA |
0.9%
-2.5% YoY+1.4% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
2.6%
+8.6% YoY-0.5% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.4% in tier |
| Efficiency Ratio |
64.3%
+6.3% YoY-0.9% QoQ
|
-18.2% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
100.8%
+18.6% YoY+1.6% QoQ
|
+40.2% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 4.0% in tier |
| AMR |
$6,047
+3.2% YoY+3.1% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
100
Loan-to-Share Ratio
balance_sheet
Value:
100.82%
Peer Median: -
#100 of 2556
Top 3.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
437
Efficiency Ratio
profitability
Value:
64.34%
Peer Median: -
#437 of 2556
Top 17.1% in <100M tier
630
Loan Growth Rate
growth
Value:
4.13%
Peer Median: -
#630 of 2556
Top 24.6% in <100M tier
Top Weaknesses (12 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.1% in <100M tier
2439
Deposit Growth Rate
growth
Value:
-12.17%
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2437
Asset Growth Rate
growth
Value:
-9.79%
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2382
Fee Income Per Member
profitability
Value:
$1.00
Peer Median: -
#2382 of 2556
Bottom 6.8% in <100M tier
2364
Total Assets
balance_sheet
Value:
$1.50M
Peer Median: -
#2364 of 2556
Bottom 7.6% in <100M tier
2345
Total Deposits
balance_sheet
Value:
$1.28M
Peer Median: -
#2345 of 2556
Bottom 8.3% in <100M tier
2333
Member Growth Rate
growth
Value:
-7.59%
Peer Median: -
#2333 of 2556
Bottom 8.8% in <100M tier
2315
Net Interest Margin (NIM)
profitability
Value:
2.59%
Peer Median: -
#2315 of 2556
Bottom 9.5% in <100M tier
2257
Total Members
engagement
Value:
426
Peer Median: -
#2257 of 2556
Bottom 11.7% in <100M tier
2248
Average Member Relationship (AMR)
engagement
Value:
$6,047
Peer Median: -
#2248 of 2556
Bottom 12.1% in <100M tier