BlastPoint's Credit Union Scorecard
SM
Charter #13941 · KS
SM has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.19% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.5% in tier
- + Loan-to-Member Ratio (LMR): Top 0.5% in tier
- + Efficiency Ratio: Top 1.4% in tier
- + Total Loans: Top 6.4% in tier
- + Members Per Employee (MPE): Top 7.9% in tier
- + Total Assets: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 0.9% in tier
- - Share Certificate Concentration (%): Bottom 3.1% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,364
-0.9% YoY-0.8% QoQ
|
-312 |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$77.8M
-0.5% YoY+0.4% QoQ
|
+$47.6M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
Top 8.6% in tier |
| Loans |
$46.3M
+0.2% YoY-0.2% QoQ
|
+$31.0M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
Top 6.5% in tier |
| Deposits |
$62.3M
-1.3% YoY+0.8% QoQ
|
+$36.5M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
Top 11.1% in tier |
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| ROA |
1.3%
+55.6% YoY+152.5% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
2.1%
+25.7% YoY+59.2% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
35.6%
-25.4% YoY-39.2% QoQ
|
-55.0% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
Top 1.4% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
74.3%
+1.5% YoY-1.1% QoQ
|
+15.8% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$45,946
+0.2% YoY+1.2% QoQ
|
+$31K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
Top 0.6% in tier |
| CD Concentration |
51.5%
+6.0% YoY-1.2% QoQ
|
+27.3% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 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)