BlastPoint's Credit Union Scorecard
EMPORIA STATE
Charter #2227 · KS
EMPORIA STATE has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 48.8% in tier
- + Organic Growth Leader: Top 65.7% in tier
- + Emerging Performer: Top 79.0% in tier
- + ROA 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 2.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,141
+1.8% YoY+0.2% QoQ
|
-7.3K |
15,437
-2.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$139.7M
+1.9% YoY+1.9% QoQ
|
$-92.2M |
$231.9M
+1.3% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$91.0M
+6.6% YoY+1.1% QoQ
|
$-56.3M |
$147.3M
-0.1% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$124.4M
+1.0% YoY+1.9% QoQ
|
$-76.4M |
$200.8M
+0.8% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+247.9% YoY-7.2% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
2.8%
+37.1% YoY+1.5% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.8% in tier |
| Efficiency Ratio |
73.3%
-18.7% YoY+3.5% QoQ
|
-3.7% |
77.0%
-3.1% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.5%
-38.7% YoY-40.1% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
73.2%
+5.5% YoY-0.8% QoQ
|
+0.9% |
72.2%
-1.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$26,460
+1.5% YoY+1.3% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
35.0%
+1.8% YoY+3.6% QoQ
|
+10.6% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)