BlastPoint's Credit Union Scorecard
ENVISTA
Charter #24945 · KS
ENVISTA has 5 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 32.4% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.17% above tier average
- + Fee Income Per Member: Top 9.7% in tier
- + Total Members: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.5% in tier
- - Indirect Auto Dependency: Bottom 23.6% in tier
- - Efficiency ratio 1.05% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Kansas.
- Shares and deposits +8.3% year over year ($591M in shares and deposits).
- Membership: 49,608 members, +2.1% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 1.06%.
- Efficiency ratio 77.61% vs a 76.56% peer average.
- Loan-to-share ratio 90.92% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,608
+2.1% YoY+1.2% QoQ
|
+11.7K |
37,897
-5.0% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
Top 10.3% in tier |
| Assets |
$693.4M
+7.2% YoY+1.1% QoQ
|
+$71.0M |
$622.4M
+0.6% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$537.7M
+7.4% YoY+2.9% QoQ
|
+$109.2M |
$428.5M
-0.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
Top 13.9% in tier |
| Deposits |
$591.4M
+8.3% YoY+1.6% QoQ
|
+$51.7M |
$539.8M
+0.9% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
1.1%
+48.2% YoY+63.7% QoQ
|
+0.2% |
0.8%
+39.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.7%
+3.7% YoY+1.7% QoQ
|
+0.2% |
3.5%
+5.0% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
77.6%
-3.1% YoY-6.5% QoQ
|
+1.0% |
76.6%
-3.6% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.3%
-24.4% YoY+5.0% QoQ
|
-0.5 |
0.8%
+3.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
Top 14.5% in tier |
| Loan To Share |
90.9%
-0.9% YoY+1.3% QoQ
|
+11.6% |
79.3%
-1.4% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$22,762
+5.7% YoY+1.0% QoQ
|
$-5K |
$27,294
+4.1% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
28.0%
+2.7% YoY+1.7% QoQ
|
+3.4% | 24.6% | 24.4% | 20.0% | 64% |
| Indirect Auto % |
37.0%
-5.3% YoY+0.9% QoQ
|
+23.3% | 13.6% | 12.0% | 7.7% | Bottom 10.2% 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.
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)