BlastPoint's Credit Union Scorecard
OZARK
Charter #7641 · MO
OZARK has 12 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 1.6% in tier
- + Emerging Performer: Top 4.7% in tier
- + Credit Quality Leader: Top 31.9% in tier
- + Profitability Leader: Top 50.4% in tier
- + ROA 0.67% above tier average
- + Net Interest Margin 1.40% above tier average
- + Strong member growth: 21.3% YoY
- + Asset Growth Rate: Top 1.8% in tier
- + Deposit Growth Rate: Top 1.9% in tier
- + Member Growth Rate: Top 2.0% in tier
- + Loan Growth Rate: Top 3.1% in tier
- + Total Delinquency Rate (60+ days): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 16.2% in tier
- - Margin Compression: Bottom 17.0% in tier
- - Average Member Relationship (AMR): Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,585
+21.3% YoY+16.8% QoQ
|
+4.0K |
15,628
-3.4% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$136.4M
+25.2% YoY+14.4% QoQ
|
$-94.9M |
$231.3M
-0.0% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$102.9M
+21.4% YoY+19.0% QoQ
|
$-44.8M |
$147.8M
-1.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$120.0M
+24.3% YoY+14.4% QoQ
|
$-80.3M |
$200.3M
-0.0% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
26% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
-10.7% YoY+4.6% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Top 13.7% in tier |
| NIM |
5.0%
+5.0% YoY+9.2% QoQ
|
+1.4% |
3.6%
+6.9% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 2.8% in tier |
| Efficiency Ratio |
73.8%
+4.3% YoY+1.3% QoQ
|
-3.4% |
77.3%
-3.0% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.2%
-51.3% YoY-44.3% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 8.8% in tier |
| Loan To Share |
85.8%
-2.4% YoY+4.0% QoQ
|
+13.1% |
72.7%
-1.5% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$11,383
+1.4% YoY-0.2% QoQ
|
$-13K |
$24,363
+2.9% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.9% in tier |
| CD Concentration |
19.9%
-5.5% YoY-8.4% QoQ
|
-4.5% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
20.6%
-26.4% YoY-17.9% QoQ
|
+6.6% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)