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
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 0.6% in tier
- + Members Per Employee (MPE): Top 3.1% in tier
- + Total Loans: Top 7.0% in tier
- + Total Assets: Top 8.7% in tier
- + Efficiency Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - First Mortgage Concentration (%): Bottom 1.0% in tier
- - Net Interest Margin (NIM): Bottom 1.5% in tier
- - Share Certificate Concentration (%): Bottom 2.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,383
-0.6% YoY0% QoQ
|
-232 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$77.5M
-0.6% YoY-0.3% QoQ
|
+$47.3M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Top 8.7% in tier |
| Loans |
$46.4M
-3.4% YoY+2.3% QoQ
|
+$30.7M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Top 7.1% in tier |
| Deposits |
$61.8M
-1.5% YoY-0.4% QoQ
|
+$36.1M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Top 11.3% in tier |
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| ROA |
0.5%
+354.5% YoY-46.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
1.3%
+45.0% YoY-26.6% QoQ
|
-2.7% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio |
58.5%
-29.7% YoY+31.0% QoQ
|
-24.1% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
75.1%
-1.9% YoY+2.7% QoQ
|
+14.5% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$45,414
-1.8% YoY+0.7% QoQ
|
+$31K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Top 0.6% in tier |
| CD Concentration |
52.1%
+3.6% YoY+3.8% QoQ
|
+27.7% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)