BlastPoint's Credit Union Scorecard
OZARK
Charter #7641 · MO
OZARK has 12 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 7.7% in tier
- + Organic Growth Engine: Top 8.2% in tier
- + Organic Growth Leader: Top 8.5% in tier
- + Wallet Share Momentum: Top 8.8% in tier
- + ROA 0.53% above tier average
- + Net Interest Margin 1.14% above tier average
- + Strong member growth: 8.7% YoY
- + Deposit Growth Rate: Top 1.2% in tier
- + Asset Growth Rate: Top 1.4% in tier
- + Loan Growth Rate: Top 1.6% in tier
- + AMR Growth Rate: Top 3.2% in tier
- + Member Growth Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 52.5% in tier
- - Margin Compression: Bottom 76.2% in tier
- - Average Member Relationship (AMR): Bottom 3.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,735
+8.7% YoY-9.4% QoQ
|
+2.3K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$138.1M
+24.7% YoY+1.2% QoQ
|
$-93.8M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$107.7M
+26.2% YoY+4.6% QoQ
|
$-39.6M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$120.9M
+24.6% YoY+0.8% QoQ
|
$-79.9M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
1.3%
-7.8% YoY-10.9% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.7%
-2.2% YoY-4.8% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
75.5%
+6.0% YoY+2.2% QoQ
|
-1.5% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.2%
-59.6% YoY+31.0% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.0% in tier |
| Loan To Share |
89.1%
+1.2% YoY+3.8% QoQ
|
+16.8% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$12,892
+15.3% YoY+13.3% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.8% in tier |
| CD Concentration |
18.6%
-15.7% YoY-6.4% QoQ
|
-5.8% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
19.4%
-30.3% YoY-5.8% QoQ
|
+5.6% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)