BlastPoint's Credit Union Scorecard

EMPORIA STATE

Charter #2227 · KS

100M-500M

1070 CUs in 100M-500M nationally 10 in KS

EMPORIA STATE has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.31% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 2.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	8,166 +1.7% YoY+0.3% QoQ	-7.0K	15,145 -2.5% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	19%
Assets	$142.8M +2.3% YoY+2.3% QoQ	$-88.9M	$231.7M +0.8% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	27%
Loans	$90.8M +6.1% YoY-0.3% QoQ	$-53.4M	$144.1M +0.2% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	32%
Deposits	$127.2M +1.4% YoY+2.3% QoQ	$-73.9M	$201.1M +0.4% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	30%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +64.7% YoY+6.7% QoQ	+0.3%	0.7% +5.1% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	72%
NIM	3.0% +23.9% YoY+6.0% QoQ	-0.6%	3.6% +4.6% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	69.2% -13.2% YoY-5.6% QoQ	-8.8%	78.0% -1.7% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	23%
Delinquency Rate	0.2% +8.9% YoY-52.2% QoQ	-0.5	0.8% +7.1% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	15%
Loan To Share	71.3% +4.6% YoY-2.5% QoQ	+0.9%	70.4% -0.4% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	49%
AMR	$26,694 +1.6% YoY+0.9% QoQ	+$2K	$24,918 +2.7% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	69%
CD Concentration	35.1% +11.2% YoY+0.2% QoQ	+10.8%	24.3%	24.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	12.2%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#179 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.71%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.03%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#249 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.71%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#129 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.03%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.71%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#391 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.09%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#671 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

164

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.61%

#164 of 1070 Top 15.2% in 100M-500M tier

243

Efficiency Ratio

profitability

Value: 69.23%

Peer Median: 78.68%

#243 of 1070 Top 22.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1041

First Mortgage Concentration (%)

balance_sheet

Value: 67.70%

Peer Median: 29.47%

#1041 of 1070 Bottom 2.8% in 100M-500M tier

924

Share Certificate Concentration (%)

balance_sheet

Value: 35.06%

Peer Median: 23.10%

#924 of 1070 Bottom 13.7% in 100M-500M tier

901

Net Interest Margin (NIM)

profitability

Value: 2.99%

Peer Median: 3.62%

#901 of 1070 Bottom 15.9% in 100M-500M tier

863

Total Members

engagement

Value: 8,166

Peer Median: 13,200

#863 of 1070 Bottom 19.4% in 100M-500M tier

805

Members Per Employee (MPE)

engagement

Value: 263.419

Peer Median: 309.176

#805 of 1070 Bottom 24.9% in 100M-500M tier