BlastPoint's Credit Union Scorecard
ENVISTA
Charter #24945 · KS
ENVISTA has 2 strengths but faces 3 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 30.9% in tier
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 33.2% in tier
- - Indirect Auto Dependency: Bottom 35.3% in tier
- - Efficiency ratio 4.63% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,003
+1.8% YoY+0.1% QoQ
|
+10.9K |
38,079
-4.8% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
Top 11.4% in tier |
| Assets |
$686.1M
+5.8% YoY+4.8% QoQ
|
+$66.4M |
$619.7M
-0.2% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$522.4M
+8.5% YoY-0.1% QoQ
|
+$103.1M |
$419.3M
-1.4% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$582.2M
+6.8% YoY+5.2% QoQ
|
+$42.7M |
$539.5M
-0.1% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.6%
+6.5% YoY-20.5% QoQ
|
+0.0% |
0.7%
+36.0% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
3.6%
+3.3% YoY-1.7% QoQ
|
+0.2% |
3.5%
+4.5% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
83.0%
+0.7% YoY+7.3% QoQ
|
+4.6% |
78.4%
-3.7% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
0.3%
-57.7% YoY-18.8% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
89.7%
+1.6% YoY-5.1% QoQ
|
+12.1% |
77.7%
-1.2% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
80% |
| AMR |
$22,542
+5.7% YoY+2.5% QoQ
|
$-4K |
$26,927
+3.1% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
27.5%
+2.2% YoY-1.5% QoQ
|
+3.2% | 24.3% | 24.3% | 19.8% | 64% |
| Indirect Auto % |
36.6%
-4.1% YoY-2.7% QoQ
|
+22.8% | 13.8% | 12.2% | 7.7% | Bottom 10.7% in tier |
Signature Analysis
Strengths (1)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)