BlastPoint's Credit Union Scorecard
EMPORIA STATE
Charter #2227 · KS
EMPORIA STATE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.46% above tier average
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 2.8% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kansas.
- Shares and deposits +7.1% year over year ($130M in shares and deposits).
- Membership: 8,201 members, +1.7% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 1.33%.
- Efficiency ratio 65.26% vs a 76.73% peer average.
- Loan-to-share ratio 70.63% vs a 71.54% 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 |
8,201
+1.7% YoY+0.4% QoQ
|
-7.0K |
15,168
-2.6% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$146.5M
+7.5% YoY+2.6% QoQ
|
$-85.5M |
$232.0M
+0.7% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$92.0M
+3.6% YoY+1.4% QoQ
|
$-54.2M |
$146.3M
+0.2% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$130.3M
+7.1% YoY+2.4% QoQ
|
$-70.4M |
$200.7M
+0.2% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
1.3%
+44.6% YoY+28.1% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
3.1%
+18.9% YoY+4.0% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
65.3%
-10.8% YoY-5.7% QoQ
|
-11.5% |
76.7%
-0.8% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
0.5%
-47.8% YoY+120.3% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
70.6%
-3.3% YoY-1.0% QoQ
|
-0.9% |
71.5%
-0.3% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$27,109
+3.9% YoY+1.6% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
36.0%
+6.3% YoY+2.6% QoQ
|
+11.4% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)