BlastPoint's Credit Union Scorecard

STATIONERY

Charter #67801 · MO

<100M

2508 CUs in <100M nationally 59 in MO

STATIONERY has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.59% above tier average
+ Net Interest Margin 0.09% above tier average

Key Concerns

Areas that may need attention

- Member decline: -4.8% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	1,983 -4.8% YoY-0.4% QoQ	-693	2,676 +1.6% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	51%
Assets	$17.0M -0.8% YoY+2.6% QoQ	$-13.2M	$30.2M +1.3% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	44%
Loans	$5.0M -6.5% YoY-6.5% QoQ	$-10.3M	$15.3M -2.0% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	34%
Deposits	$14.6M -1.4% YoY+3.1% QoQ	$-11.2M	$25.8M +0.7% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	44%

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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	0.7% -30.3% YoY-7.6% QoQ	+0.6%	0.1% -77.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	57%
NIM	4.1% -8.8% YoY-9.9% QoQ	+0.1%	4.0% +4.0% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	87.1% +9.5% YoY+10.8% QoQ	-3.6%	90.6% +6.5% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	0.3% -69.4% YoY-58.8% QoQ	-1.2	1.5% +3.8% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	34%
Loan To Share	34.1% -5.2% YoY-9.3% QoQ	-24.4%	58.5% -3.0% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	15%
AMR	$9,894 +2.1% YoY+0.9% QoQ	$-5K	$14,884 -1.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	28%
CD Concentration	0.7% +1.2% YoY-2.9% QoQ	-23.6%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.8%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

604

Share Certificate Concentration (%)

balance_sheet

Value: 0.67%

Peer Median: 12.45%

#604 of 2508 Top 24.0% in <100M tier

Top Weaknesses (4 metrics)

2240

Net Charge-Off Rate

risk

Value: 1.27%

Peer Median: 0.07%

#2240 of 2508 Bottom 10.7% in <100M tier

2126

Loan-to-Share Ratio

balance_sheet

Value: 34.13%

Peer Median: 58.72%

#2126 of 2508 Bottom 15.3% in <100M tier

2059

Member Growth Rate

growth

Value: -4.76%

Peer Median: -1.37%

#2059 of 2508 Bottom 17.9% in <100M tier

2037

Loan-to-Member Ratio (LMR)

engagement

Value: $2,518

Peer Median: $4,923

#2037 of 2508 Bottom 18.8% in <100M tier