BlastPoint's Credit Union Scorecard
MAINSTREET
Charter #24858 · KS
MAINSTREET has 3 strengths but faces 10 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
- + Wallet Share Momentum: Top 96.7% in tier
- + Total Members: Top 4.8% in tier
- + Share Certificate Concentration (%): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 68.9% in tier
- - Indirect Auto Dependency: Bottom 71.7% in tier
- - Credit Quality Pressure: Bottom 78.4% in tier
- - Credit Risk Growth: Bottom 79.1% in tier
- - Membership Headwinds: Bottom 81.9% in tier
- - Stagnation Risk: Bottom 93.8% in tier
- - ROA 0.03% below tier average
- - Efficiency ratio 2.72% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 6.1% in tier
- - Average Member Relationship (AMR): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,705
-1.2% YoY-0.7% QoQ
|
+17.1K |
38,575
-4.8% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Top 5.5% in tier |
| Assets |
$674.4M
-2.5% YoY-2.8% QoQ
|
+$52.7M |
$621.7M
+0.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$401.8M
+4.9% YoY-0.3% QoQ
|
$-28.0M |
$429.8M
-1.8% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$616.1M
+3.1% YoY+0.0% QoQ
|
+$77.4M |
$538.7M
+0.6% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.6%
+34.7% YoY+6.4% QoQ
|
-0.0% |
0.7%
+42.9% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
3.4%
+14.5% YoY+3.6% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
80.2%
-1.0% YoY+1.4% QoQ
|
+2.7% |
77.5%
-4.1% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.5%
+19.3% YoY+78.5% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
65.2%
+1.7% YoY-0.4% QoQ
|
-14.6% |
79.8%
-2.3% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.3% in tier |
| AMR |
$18,274
+5.1% YoY+0.6% QoQ
|
$-9K |
$26,849
+2.7% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.1% in tier |
| CD Concentration |
16.8%
+12.2% YoY+2.8% QoQ
|
-7.6% | 24.4% | 24.6% | 19.8% | 24% |
| Indirect Auto % |
33.2%
+4.0% YoY-1.1% QoQ
|
+19.4% | 13.8% | 12.2% | 7.8% | Top 13.8% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)