BlastPoint's Credit Union Scorecard

LEADCO COMMUNITY

Charter #67936 · MO

<100M

2508 CUs in <100M nationally 59 in MO

LEADCO COMMUNITY has 1 strength 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

+ ROA 0.41% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 3.14% above tier (higher cost structure)
- Member decline: -3.8% YoY
- Indirect Auto Concentration (%): Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	3,125 -3.8% YoY-3.0% QoQ	+448	2,676 +1.6% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	70%
Assets	$23.0M -1.8% YoY+1.6% QoQ	$-7.2M	$30.2M +1.3% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	51%
Loans	$11.1M -14.4% YoY-5.5% QoQ	$-4.2M	$15.3M -2.0% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	54%
Deposits	$20.4M -3.6% YoY+0.5% QoQ	$-5.3M	$25.8M +0.7% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	53%

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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	0.6% -405.8% YoY-52.7% QoQ	+0.4%	0.1% -77.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	48%
NIM	3.9% +6.8% YoY-2.7% QoQ	-0.1%	4.0% +4.0% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	93.8% -5.9% YoY+23.0% QoQ	+3.1%	90.6% +6.5% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	0.2% +79.5% YoY-63.8% QoQ	-1.3	1.5% +3.8% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	27%
Loan To Share	54.2% -11.2% YoY-6.0% QoQ	-4.3%	58.5% -3.0% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	44%
AMR	$10,084 -4.1% YoY+1.3% QoQ	$-5K	$14,884 -1.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	29%
CD Concentration	12.9% -8.9% YoY-5.3% QoQ	-11.3%	24.3%	18.1%	19.8%	50%
Indirect Auto %	14.8% +8.5% YoY-4.3% QoQ	+1.0%	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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2340

Indirect Auto Concentration (%)

balance_sheet

Value: 14.85%

Peer Median: 0.00%

#2340 of 2508 Bottom 6.7% in <100M tier

2196

Loan Growth Rate

growth

Value: -14.44%

Peer Median: -2.36%

#2196 of 2508 Bottom 12.5% in <100M tier

2004

AMR Growth Rate

growth

Value: -4.11%

Peer Median: 1.27%

#2004 of 2508 Bottom 20.1% in <100M tier

1901

Deposit Growth Rate

growth

Value: -3.65%

Peer Median: 0.66%

#1901 of 2508 Bottom 24.2% in <100M tier

1897

Efficiency Ratio

profitability

Value: 93.78%

Peer Median: 81.45%

#1897 of 2508 Bottom 24.4% in <100M tier

1892

Member Growth Rate

growth

Value: -3.79%

Peer Median: -1.37%

#1892 of 2508 Bottom 24.6% in <100M tier