BlastPoint's Credit Union Scorecard
MAINSTREET
Charter #24858 · KS
MAINSTREET has 5 strengths but faces 9 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 30.8% in tier
- + Credit Quality Leader: Top 66.4% in tier
- + Total Members: Top 6.5% in tier
- + Share Certificate Concentration (%): Top 8.9% in tier
- + AMR Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 9.1% in tier
- - Stagnation Risk: Bottom 14.9% in tier
- - Indirect Auto Dependency: Bottom 16.2% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 1.02% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Average Member Relationship (AMR): Bottom 7.1% in tier
- - Member Growth Rate: Bottom 7.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,115
-4.2% YoY-0.5% QoQ
|
+16.4K |
39,752
-2.7% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Top 7.1% in tier |
| Assets |
$694.2M
+0.2% YoY-1.1% QoQ
|
+$71.8M |
$622.4M
+0.3% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$403.2M
+6.7% YoY+1.2% QoQ
|
$-32.8M |
$435.9M
-0.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$615.9M
+3.4% YoY+0.6% QoQ
|
+$77.9M |
$538.0M
+1.3% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
0.6%
+30.2% YoY+8.8% QoQ
|
-0.1% |
0.7%
+33.9% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
3.3%
+11.7% YoY+2.9% QoQ
|
-0.2% |
3.4%
+8.6% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
79.1%
-2.2% YoY-0.2% QoQ
|
+1.0% |
78.1%
-3.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.3%
-38.0% YoY-32.3% QoQ
|
-0.5 |
0.8%
-4.9% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.6% in tier |
| Loan To Share |
65.5%
+3.2% YoY+0.6% QoQ
|
-15.6% |
81.0%
-1.8% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.7% in tier |
| AMR |
$18,161
+9.3% YoY+1.3% QoQ
|
$-8K |
$26,482
+2.6% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.5% in tier |
| CD Concentration |
16.4%
+10.1% YoY+3.5% QoQ
|
-8.0% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
23% |
| Indirect Auto % |
33.6%
+2.6% YoY+0.7% QoQ
|
+19.6% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
Top 14.0% in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)