BlastPoint's Credit Union Scorecard
M O
Charter #7020 · SD
M O has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Average Member Relationship (AMR): Top 2.7% in tier
- + Loan-to-Member Ratio (LMR): Top 4.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,774
-1.3% YoY-0.5% QoQ
|
-841 |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$42.4M
-0.0% YoY+0.0% QoQ
|
+$12.3M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$22.2M
-0.3% YoY+0.1% QoQ
|
+$6.4M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$36.5M
-1.7% YoY-0.3% QoQ
|
+$10.8M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
1.3%
+80.7% YoY-3.5% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
3.3%
+26.7% YoY+0.6% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
65.2%
-13.6% YoY+2.4% QoQ
|
-17.4% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.1%
-84.4% YoY-64.9% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
60.8%
+1.4% YoY+0.3% QoQ
|
+0.1% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$33,108
+0.1% YoY+0.4% QoQ
|
+$18K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 2.7% in tier |
| CD Concentration |
28.1%
-8.4% YoY-1.9% QoQ
|
+3.7% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)