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
- + Organic Growth Engine: Top 23.3% in tier
- + Wallet Share Momentum: Top 95.6% in tier
- + Credit Quality Leader: Top 100.0% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.0% in tier
- - Liquidity Strain: Bottom 19.4% in tier
- - Efficiency ratio 0.56% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,854
+2.9% YoY+0.5% QoQ
|
+9.1K |
39,752
-2.7% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$656.1M
+8.3% YoY+1.4% QoQ
|
+$33.7M |
$622.4M
+0.3% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$513.4M
+6.8% YoY+2.5% QoQ
|
+$77.5M |
$435.9M
-0.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$551.5M
+9.7% YoY+1.0% QoQ
|
+$13.5M |
$538.0M
+1.3% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
0.8%
-5.8% YoY+10.7% QoQ
|
+0.1% |
0.7%
+33.9% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
3.7%
+4.8% YoY+2.4% QoQ
|
+0.2% |
3.4%
+8.6% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
78.7%
-0.2% YoY-1.8% QoQ
|
+0.6% |
78.1%
-3.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.4%
-22.8% YoY-6.6% QoQ
|
-0.4 |
0.8%
-4.9% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
93.1%
-2.6% YoY+1.5% QoQ
|
+12.1% |
81.0%
-1.8% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$21,799
+5.2% YoY+1.2% QoQ
|
$-5K |
$26,482
+2.6% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
26.9%
+1.5% YoY-1.3% QoQ
|
+2.5% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
59% |
| Indirect Auto % |
38.7%
-1.8% YoY-0.8% QoQ
|
+24.7% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
Top 9.5% in tier |
Signature Analysis
Strengths (3)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)