BlastPoint's Credit Union Scorecard
ENVISTA
Charter #24945 · KS
ENVISTA has 4 strengths but faces 2 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
- + Organic Growth Engine: Top 76.8% in tier
- + Wallet Share Momentum: Top 92.0% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.25% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 26.3% in tier
- - Liquidity Strain: Bottom 45.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,948
+2.1% YoY+0.2% QoQ
|
+10.4K |
38,575
-4.8% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Top 12.7% in tier |
| Assets |
$654.7M
+6.1% YoY-0.2% QoQ
|
+$33.0M |
$621.7M
+0.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$523.2M
+8.4% YoY+1.9% QoQ
|
+$93.4M |
$429.8M
-1.8% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$553.3M
+6.9% YoY+0.3% QoQ
|
+$14.6M |
$538.7M
+0.6% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.8%
+7.6% YoY+2.8% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
3.7%
+8.5% YoY+1.2% QoQ
|
+0.3% |
3.4%
+8.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
77.4%
-2.6% YoY-1.6% QoQ
|
-0.1% |
77.5%
-4.1% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.4%
-48.4% YoY-5.0% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
94.6%
+1.5% YoY+1.6% QoQ
|
+14.7% |
79.8%
-2.3% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 12.7% in tier |
| AMR |
$21,992
+5.4% YoY+0.9% QoQ
|
$-5K |
$26,849
+2.7% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
27.9%
+0.9% YoY+3.8% QoQ
|
+3.5% | 24.4% | 24.6% | 19.8% | 63% |
| Indirect Auto % |
37.6%
-2.1% YoY-2.8% QoQ
|
+23.8% | 13.8% | 12.2% | 7.8% | Top 9.9% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)