BlastPoint's Credit Union Scorecard
EMPORIA STATE
Charter #2227 · KS
EMPORIA STATE has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.9% in tier
- + Organic Growth Leader: Top 18.8% in tier
- + Emerging Performer: Top 69.0% in tier
- + ROA 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.5% in tier
- - Credit Quality Pressure: Bottom 3.6% in tier
- - First Mortgage Concentration (%): Bottom 2.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,124
+2.1% YoY+0.7% QoQ
|
-7.5K |
15,628
-3.4% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$137.1M
+0.5% YoY+0.6% QoQ
|
$-94.2M |
$231.3M
-0.0% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$90.0M
+9.1% YoY+1.3% QoQ
|
$-57.8M |
$147.8M
-1.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$122.1M
-0.3% YoY+0.4% QoQ
|
$-78.2M |
$200.3M
-0.0% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
1.0%
+158.0% YoY+13.9% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
2.8%
+32.3% YoY+6.2% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio |
70.9%
-17.5% YoY-3.1% QoQ
|
-6.4% |
77.3%
-3.0% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.8%
+468.7% YoY-17.3% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
73.7%
+9.4% YoY+1.0% QoQ
|
+1.0% |
72.7%
-1.5% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$26,110
+1.3% YoY+0.1% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
33.8%
-5.7% YoY-0.2% QoQ
|
+9.4% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)