BlastPoint's Credit Union Scorecard

MAINSTREET

Charter #24858 · KS

Community 500M-750M

167 CUs in 500M-750M nationally 4 in KS

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MAINSTREET has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 34.6% in tier
+ Total Members: Top 4.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 30.8% in tier
- Credit Risk Growth: Bottom 57.3% in tier
- Membership Headwinds: Bottom 76.5% in tier
- Stagnation Risk: Bottom 76.5% in tier
- Indirect Auto Dependency: Bottom 87.9% in tier
- ROA 0.16% below tier average
- Member decline: -2.4% YoY
- Average Member Relationship (AMR): Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	54,286 -2.4% YoY-2.5% QoQ	+16.2K	38,079 -4.8% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	Top 5.4% in tier
Assets	$693.6M -0.9% YoY+2.8% QoQ	+$73.9M	$619.7M -0.2% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	77%
Loans	$397.9M +2.0% YoY-1.0% QoQ	$-21.4M	$419.3M -1.4% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	38%
Deposits	$633.4M +3.3% YoY+2.8% QoQ	+$94.0M	$539.5M -0.1% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	Top 11.4% in tier

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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	0.5% +11.8% YoY-16.2% QoQ	-0.2%	0.7% +36.0% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	42%
NIM	3.4% +10.8% YoY+1.3% QoQ	+0.0%	3.5% +4.5% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	75.5% -5.4% YoY-5.9% QoQ	-2.8%	78.4% -3.7% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.5% +39.1% YoY+3.4% QoQ	-0.2	0.7% -0.9% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	40%
Loan To Share	62.8% -1.2% YoY-3.7% QoQ	-14.9%	77.7% -1.2% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	Bottom 13.2% in tier
AMR	$18,998 +5.3% YoY+4.0% QoQ	$-8K	$26,927 +3.1% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	Bottom 7.8% in tier
CD Concentration	16.8% +13.4% YoY-0.1% QoQ	-7.5%	24.3%	24.3%	19.8%	24%
Indirect Auto %	33.0% +0.6% YoY-0.6% QoQ	+19.2%	13.8%	12.2%	7.7%	Bottom 13.9% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#461 of 491 • Top 34.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.28%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (5)

Membership Headwinds

decline

#315 of 570 • Bottom 76.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.38%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#411 of 727 • Bottom 30.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.15% points

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

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#317 of 504 • Bottom 87.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.91%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 33.01%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.38%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Stagnation Risk

risk

#362 of 570 • Bottom 76.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.38%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.02%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.53%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#392 of 476 • Bottom 57.3% in tier

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

Why This Signature

Loan Growth (YoY): 2.02%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

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

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | 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 167 peers in tier

Top Strengths (5 metrics)

Total Members

engagement

Value: 54,286

Peer Median: 36,874

#9 of 167 Top 4.8% in 500M-750M tier

Total Deposits

balance_sheet

Value: $633.43M

Peer Median: $543.36M

#19 of 167 Top 10.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.80%

Peer Median: 26.29%

#22 of 167 Top 12.6% in 500M-750M tier

Total Assets

balance_sheet

Value: $693.59M

Peer Median: $619.16M

#38 of 167 Top 22.2% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 379.622

Peer Median: 318.730

#38 of 167 Top 22.2% in 500M-750M tier

Top Weaknesses (6 metrics)

154

Average Member Relationship (AMR)

engagement

Value: $18,998

Peer Median: $25,600

#154 of 167 Bottom 8.4% in 500M-750M tier

153

Loan-to-Member Ratio (LMR)

engagement

Value: $7,329

Peer Median: $11,231

#153 of 167 Bottom 9.0% in 500M-750M tier

146

Asset Growth Rate

growth

Value: -0.91%

Peer Median: 4.66%

#146 of 167 Bottom 13.2% in 500M-750M tier

145

Loan-to-Share Ratio

balance_sheet

Value: 62.81%

Peer Median: 79.97%

#145 of 167 Bottom 13.8% in 500M-750M tier

138

Indirect Auto Concentration (%)

balance_sheet

Value: 33.01%

Peer Median: 10.91%

#138 of 167 Bottom 18.0% in 500M-750M tier

133

Member Growth Rate

growth

Value: -2.38%

Peer Median: 1.03%

#133 of 167 Bottom 21.0% in 500M-750M tier