BlastPoint's Credit Union Scorecard
SM
Charter #13941 · KS
SM has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 9.8% YoY
- + Loan-to-Member Ratio (LMR): Top 0.6% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Efficiency Ratio: Top 1.1% in tier
- + Member Growth Rate: Top 3.9% in tier
- + Members Per Employee (MPE): Top 5.7% in tier
- + Total Loans: Top 5.8% in tier
- + Total Assets: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - First Mortgage Concentration (%): Bottom 0.8% in tier
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - Share Certificate Concentration (%): Bottom 3.5% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -0.4% year over year ($61.4M in shares and deposits).
- Membership: 2,622 members, +9.8% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 1.23%.
- Efficiency ratio 37.96% vs a 88.77% peer average.
- Loan-to-share ratio 78.87% vs a 58.89% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,622
+9.8% YoY+10.9% QoQ
|
+36 |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$77.2M
+0.5% YoY-0.8% QoQ
|
+$46.9M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
Top 9.0% in tier |
| Loans |
$48.4M
+5.7% YoY+4.6% QoQ
|
+$33.0M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
Top 5.9% in tier |
| Deposits |
$61.4M
-0.4% YoY-1.4% QoQ
|
+$35.6M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
Top 11.7% in tier |
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| ROA |
1.2%
+36.2% YoY-7.6% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
2.0%
+18.0% YoY-3.3% QoQ
|
-1.9% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio |
38.0%
-18.4% YoY+6.7% QoQ
|
-50.8% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
0.2%
-76.0% YoY
|
-1.3 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
78.9%
+6.2% YoY+6.1% QoQ
|
+20.0% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$41,894
-6.9% YoY-8.8% QoQ
|
+$27K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
Top 0.9% in tier |
| CD Concentration |
50.7%
+2.2% YoY-1.6% QoQ
|
+26.1% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)