BlastPoint's Credit Union Scorecard

LEADCO COMMUNITY

Charter #67936 · MO

2556 CUs in <100M nationally 60 in MO

LEADCO COMMUNITY 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 0.56% above tier average
+ Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 7.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	3,221 -0.8% YoY0% QoQ	+605	2,615 -1.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	70%
Assets	$22.6M +2.2% YoY-2.5% QoQ	$-7.5M	$30.1M +2.1% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	51%
Loans	$11.7M -12.2% YoY-2.2% QoQ	$-4.0M	$15.8M -1.3% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	55%
Deposits	$20.3M +1.2% YoY-1.5% QoQ	$-5.4M	$25.7M +1.4% YoY	$185.2M +10.6% YoY	$477.3M +9.7% 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	1.2% +816.7% YoY-12.5% QoQ	+0.6%	0.6% +10.8% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	73%
NIM	4.1% -3.0% YoY+4.4% QoQ	+0.1%	4.0% +4.0% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	57%
Efficiency Ratio	76.2% -17.7% YoY+2.6% QoQ	-6.3%	82.6% -2.3% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	41%
Delinquency Rate	0.5% +599.9% YoY+314.3% QoQ	-1.1	1.6% -3.1% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	39%
Loan To Share	57.7% -13.2% YoY-0.7% QoQ	-2.9%	60.6% -3.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	46%
AMR	$9,952 -3.3% YoY-1.8% QoQ	$-5K	$14,783 -1.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	28%
CD Concentration	13.7% -7.1% YoY+17.4% QoQ	-10.8%	24.4%	18.2%	19.8%	50%
Indirect Auto %	15.5% +17.2% YoY-4.8% QoQ	+1.7%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (1 metrics)

483

Fee Income Per Member

profitability

Value: $135.52

Peer Median: -

#483 of 2556 Top 18.9% in <100M tier

Top Weaknesses (3 metrics)

2377

Indirect Auto Concentration (%)

balance_sheet

Value: 15.51%

Peer Median: -

#2377 of 2556 Bottom 7.0% in <100M tier

2163

Loan Growth Rate

growth

Value: -12.16%

Peer Median: -

#2163 of 2556 Bottom 15.4% in <100M tier

1995

AMR Growth Rate

growth

Value: -3.32%

Peer Median: -

#1995 of 2556 Bottom 22.0% in <100M tier