BlastPoint's Credit Union Scorecard

PANHANDLE

Charter #12033 · KS

<100M

2508 CUs in <100M nationally 43 in KS

PANHANDLE faces 3 concerns requiring attention

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.37% below tier average
- Efficiency ratio 13.93% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	3,905 -1.4% YoY+0.7% QoQ	+1.2K	2,676 +1.6% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	78%
Assets	$63.0M +0.3% YoY+2.7% QoQ	+$32.8M	$30.2M +1.3% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	84%
Loans	$33.1M +1.5% YoY-0.5% QoQ	+$17.8M	$15.3M -2.0% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	Top 14.3% in tier
Deposits	$53.5M +1.0% YoY+2.9% QoQ	+$27.7M	$25.8M +0.7% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.2% -398.7% YoY	-0.4%	0.1% -77.6% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	17%
NIM	3.2% +0.8% YoY-5.3% QoQ	-0.9%	4.0% +4.0% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	104.6% +7.6% YoY+4.6% QoQ	+13.9%	90.6% +6.5% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	Bottom 12.9% in tier
Delinquency Rate	0.4% -31.6% YoY-49.2% QoQ	-1.2	1.5% +3.8% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	37%
Loan To Share	61.8% +0.5% YoY-3.4% QoQ	+3.3%	58.5% -3.0% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	55%
AMR	$22,163 +2.7% YoY+0.9% QoQ	+$7K	$14,884 -1.7% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	Top 15.0% in tier
CD Concentration	16.5% -8.2% YoY+4.1% QoQ	-7.7%	24.3%	24.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	12.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

358

Total Loans

balance_sheet

Value: $33.07M

Peer Median: $9.48M

#358 of 2508 Top 14.2% in <100M tier

373

Loan-to-Member Ratio (LMR)

engagement

Value: $8,468

Peer Median: $4,923

#373 of 2508 Top 14.8% in <100M tier

376

Average Member Relationship (AMR)

engagement

Value: $22,163

Peer Median: $13,926

#376 of 2508 Top 15.0% in <100M tier

394

Total Assets

balance_sheet

Value: $62.95M

Peer Median: $21.86M

#394 of 2508 Top 15.7% in <100M tier

407

Total Deposits

balance_sheet

Value: $53.48M

Peer Median: $18.77M

#407 of 2508 Top 16.2% in <100M tier

550

Total Members

engagement

Value: 3,905

Peer Median: 1,918

#550 of 2508 Top 21.9% in <100M tier

Top Weaknesses (5 metrics)

2386

First Mortgage Concentration (%)

balance_sheet

Value: 58.03%

Peer Median: 3.66%

#2386 of 2508 Bottom 4.9% in <100M tier

2186

Efficiency Ratio

profitability

Value: 104.56%

Peer Median: 81.45%

#2186 of 2508 Bottom 12.9% in <100M tier

2080

Return on Assets (ROA)

profitability

Value: -0.23%

Peer Median: 0.61%

#2080 of 2508 Bottom 17.1% in <100M tier

2033

Members Per Employee (MPE)

engagement

Value: 216.944

Peer Median: 333.750

#2033 of 2508 Bottom 19.0% in <100M tier

1938

Net Interest Margin (NIM)

profitability

Value: 3.15%

Peer Median: 3.83%

#1938 of 2508 Bottom 22.8% in <100M tier