BlastPoint's Credit Union Scorecard
COMMUNITYAMERICA
Charter #15732 · KS
COMMUNITYAMERICA has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.48% above tier average
- + Strong member growth: 143.3% YoY
- + Fee Income Per Member: Top 0.1% in tier
- + Member Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.6% in tier
- - Margin Compression: Bottom 36.4% in tier
- - Efficiency ratio 9.08% above tier (higher cost structure)
- - Delinquency rate 1.88% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.6% 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 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in Kansas.
- Shares and deposits +164.7% year over year ($8.11B in shares and deposits).
- Membership: 594,689 members, +143.3% vs a year ago.
- Delinquency rate 2.68%.
- Return on assets 1.12%.
- Efficiency ratio 75.14% vs a 66.07% peer average.
- Loan-to-share ratio 78.11% vs a 81.29% 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 |
594,689
+143.3% YoY+0.5% QoQ
|
+155.8K |
438,885
-1.1% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
Top 14.3% in tier |
| Assets |
$9.0B
+158.8% YoY+0.4% QoQ
|
+$100.3M |
$8.9B
+0.0% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$6.3B
+138.4% YoY+1.8% QoQ
|
+$120.9M |
$6.2B
-0.6% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
39% |
| Deposits |
$8.1B
+164.7% YoY+0.3% QoQ
|
+$456.0M |
$7.7B
+2.7% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
1.1%
-39.1% YoY+20.0% QoQ
|
+0.1% |
1.0%
+4.7% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.6%
+9.8% YoY-2.5% QoQ
|
+0.5% |
3.1%
+6.6% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
75.1%
-3.3% YoY-1.9% QoQ
|
+9.1% |
66.1%
+1.6% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
2.7%
-9.1% YoY+89.6% QoQ
|
+1.9 |
0.8%
+23.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
78.1%
-9.9% YoY+1.4% QoQ
|
-3.2% |
81.3%
-3.8% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$24,297
+3.8% YoY+0.5% QoQ
|
$-13K |
$37,279
+8.1% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.3% in tier |
| CD Concentration |
21.5%
-29.5% YoY-2.7% QoQ
|
-6.8% | 28.3% | 24.4% | 20.0% | 23% |
| Indirect Auto % |
17.4%
-2.6% YoY-2.0% QoQ
|
+0.6% | 16.8% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)