BluCurrent Credit Union
Total assets
$393.9M
▲ +8.2% YoY
Shares & deposits
$331.0M
▲ +8.0% YoY
Loans
$314.6M
▲ +11.3% YoY
Members
24,274
▲ +2.3% YoY
ROA (annualized)
0.44%
peers 0.69%
ROE (annualized)
4.29%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +3.9% | +4.3 pts |
| Share growth (YoY) | +8.0% | +3.3% | +4.7 pts |
| Loan growth (YoY) | +11.3% | +2.9% | +8.3 pts |
| ROA | 0.44% | 0.69% | -0.2 pts |
| ROE | 4.3% | 5.9% | -1.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
Profile
- Established
- 1929
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 4520 S National Ave, Springfield, MO, 65810
- NCUA charter #
- 61790
- RSSD ID
- 696391
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $393.9M | $331.0M | $314.6M | $40.6M | $436K | 0.44% | 4.11% | 0.43% | 24,274 |
| Q4 2025 | $387.0M | $326.4M | $312.5M | $40.2M | $2.6M | 0.66% | 4.12% | 0.52% | 23,990 |
| Q3 2025 | $383.2M | $322.7M | $300.0M | $39.5M | $1.8M | 0.64% | 4.12% | 0.49% | 23,895 |
| Q2 2025 | $369.6M | $309.9M | $293.1M | $38.9M | $1.2M | 0.65% | 4.19% | 0.42% | 23,718 |
| Q1 2025 | $364.2M | $306.5M | $282.7M | $38.3M | $629K | 0.69% | 4.12% | 0.32% | 23,724 |
| Q4 2024 | $351.8M | $295.6M | $277.7M | $37.7M | $2.3M | 0.65% | 4.17% | 0.38% | 23,728 |
| Q3 2024 | $347.5M | $293.0M | $276.8M | $37.5M | $2.1M | 0.81% | 4.17% | 0.42% | 23,251 |
| Q2 2024 | $338.7M | $284.9M | $276.4M | $36.6M | $1.2M | 0.72% | 4.18% | 0.21% | 23,359 |
Loan mix (Q1 2026): real estate $182.6M · commercial $34.4M · consumer $93.5M · securities $37.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | BluCurrent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.69% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.62% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 78.7% | 48th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | BluCurrent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | BluCurrent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | BluCurrent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | BluCurrent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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