BlastPoint's Credit Union Scorecard
OZARK
Charter #7641 · MO
OZARK has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.79% above tier average
- + Net Interest Margin 1.05% above tier average
- + Strong member growth: 26.0% YoY
- + Asset Growth Rate: Top 1.3% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + Member Growth Rate: Top 1.6% in tier
- + Loan Growth Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Average Member Relationship (AMR): Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,804
+26.0% YoY+17.3% QoQ
|
+5.7K |
15,145
-2.5% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
79% |
| Assets |
$142.8M
+24.6% YoY+3.4% QoQ
|
$-88.9M |
$231.7M
+0.8% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$110.2M
+27.5% YoY+2.3% QoQ
|
$-34.0M |
$144.1M
+0.2% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$125.1M
+23.6% YoY+3.4% QoQ
|
$-76.0M |
$201.1M
+0.4% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
1.5%
+22.6% YoY+17.0% QoQ
|
+0.8% |
0.7%
+5.1% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
Top 11.3% in tier |
| NIM |
4.7%
+0.8% YoY-1.3% QoQ
|
+1.1% |
3.6%
+4.6% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
71.8%
-3.7% YoY-4.9% QoQ
|
-6.2% |
78.0%
-1.7% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.2%
-64.4% YoY-12.4% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Top 13.3% in tier |
| Loan To Share |
88.1%
+3.1% YoY-1.1% QoQ
|
+17.6% |
70.4%
-0.4% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 14.3% in tier |
| AMR |
$11,308
-0.5% YoY-12.3% QoQ
|
$-14K |
$24,918
+2.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.9% in tier |
| CD Concentration |
17.9%
-17.3% YoY-3.8% QoQ
|
-6.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
19.6%
-26.3% YoY+1.0% QoQ
|
+5.8% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)