BlastPoint's Credit Union Scorecard
OZARK
Charter #7641 · MO
OZARK has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.85% above tier average
- + Net Interest Margin 1.22% above tier average
- + Strong member growth: 26.3% YoY
- + Loan Growth Rate: Top 0.9% in tier
- + Member Growth Rate: Top 1.0% in tier
- + Asset Growth Rate: Top 1.7% in tier
- + Deposit Growth Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Average Member Relationship (AMR): Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
- Shares and deposits +19.0% year over year ($125M in shares and deposits).
- Membership: 21,175 members, +26.3% vs a year ago.
- Delinquency rate 0.18%.
- Return on assets 1.71%.
- Efficiency ratio 69.56% vs a 76.73% peer average.
- Loan-to-share ratio 91.04% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,175
+26.3% YoY+1.8% QoQ
|
+6.0K |
15,168
-2.6% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$142.5M
+19.5% YoY-0.2% QoQ
|
$-89.5M |
$232.0M
+0.7% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$113.6M
+31.3% YoY+3.1% QoQ
|
$-32.7M |
$146.3M
+0.2% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$124.8M
+19.0% YoY-0.2% QoQ
|
$-75.9M |
$200.7M
+0.2% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
1.7%
+23.3% YoY+13.1% QoQ
|
+0.9% |
0.9%
+12.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Top 7.4% in tier |
| NIM |
4.9%
+7.3% YoY+4.6% QoQ
|
+1.2% |
3.7%
+4.5% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
69.6%
-4.6% YoY-3.2% QoQ
|
-7.2% |
76.7%
-0.8% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.2%
-43.3% YoY-11.3% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Top 9.2% in tier |
| Loan To Share |
91.0%
+10.4% YoY+3.4% QoQ
|
+19.5% |
71.5%
-0.3% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Top 12.9% in tier |
| AMR |
$11,258
-1.3% YoY-0.4% QoQ
|
$-14K |
$25,107
+3.2% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.8% in tier |
| CD Concentration |
18.2%
-16.2% YoY+1.7% QoQ
|
-6.3% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
19.8%
-20.8% YoY+1.4% QoQ
|
+6.2% | 13.6% | 9.9% | 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 (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)