BlastPoint's Credit Union Scorecard

CITY

Charter #67924 · MO

<100M

2508 CUs in <100M nationally 59 in MO

CITY has 2 strengths but faces 2 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

+ ROA 0.53% above tier average
+ Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 6.1% in tier
- Net Charge-Off Rate: Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	4,160 -0.4% YoY-0.1% QoQ	+1.5K	2,676 +1.6% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	80%
Assets	$64.4M +8.2% YoY+3.5% QoQ	+$34.2M	$30.2M +1.3% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	Top 15.0% in tier
Loans	$38.0M +2.8% YoY-1.6% QoQ	+$22.7M	$15.3M -2.0% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	Top 11.1% in tier
Deposits	$55.2M +7.3% YoY+3.4% QoQ	+$29.5M	$25.8M +0.7% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	85%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -66.5% YoY-43.4% QoQ	+0.5%	0.1% -77.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	53%
NIM	4.4% -11.2% YoY-6.8% QoQ	+0.4%	4.0% +4.0% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	69.8% +5.5% YoY+3.7% QoQ	-20.8%	90.6% +6.5% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	25%
Delinquency Rate	1.3% +2.5% YoY-29.7% QoQ	-0.2	1.5% +3.8% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	70%
Loan To Share	68.7% -4.2% YoY-4.8% QoQ	+10.2%	58.5% -3.0% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	66%
AMR	$22,405 +5.9% YoY+1.4% QoQ	+$8K	$14,884 -1.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	Top 14.1% in tier
CD Concentration	19.7% +49.9% YoY+8.2% QoQ	-4.6%	24.3%	18.1%	19.8%	50%
Indirect Auto %	17.2% -1.3% YoY+1.6% QoQ	+3.4%	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 (9 metrics)

272

Asset Growth Rate

growth

Value: 8.23%

Peer Median: 1.30%

#272 of 2508 Top 10.8% in <100M tier

276

Loan-to-Member Ratio (LMR)

engagement

Value: $9,125

Peer Median: $4,923

#276 of 2508 Top 11.0% in <100M tier

279

Total Loans

balance_sheet

Value: $37.96M

Peer Median: $9.48M

#279 of 2508 Top 11.1% in <100M tier

354

Average Member Relationship (AMR)

engagement

Value: $22,405

Peer Median: $13,926

#354 of 2508 Top 14.1% in <100M tier

370

Deposit Growth Rate

growth

Value: 7.29%

Peer Median: 0.66%

#370 of 2508 Top 14.7% in <100M tier

375

Total Assets

balance_sheet

Value: $64.43M

Peer Median: $21.86M

#375 of 2508 Top 14.9% in <100M tier

382

Total Deposits

balance_sheet

Value: $55.25M

Peer Median: $18.77M

#382 of 2508 Top 15.2% in <100M tier

490

Total Members

engagement

Value: 4,160

Peer Median: 1,918

#490 of 2508 Top 19.5% in <100M tier

541

AMR Growth Rate

growth

Value: 5.85%

Peer Median: 1.27%

#541 of 2508 Top 21.5% in <100M tier

Top Weaknesses (2 metrics)

2355

Indirect Auto Concentration (%)

balance_sheet

Value: 17.23%

Peer Median: 0.00%

#2355 of 2508 Bottom 6.1% in <100M tier

2276

Net Charge-Off Rate

risk

Value: 1.51%

Peer Median: 0.07%

#2276 of 2508 Bottom 9.3% in <100M tier