BlastPoint's Credit Union Scorecard

EAGLE

Charter #3869 · KS

<100M
2508 CUs in <100M nationally 43 in KS

EAGLE has 3 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.19% above tier average
  • + Strong member growth: 7.4% YoY
  • + Member Growth Rate: Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.12% below tier average
  • - Efficiency ratio 8.88% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 5.4% in tier
  • - Total Assets: Bottom 8.5% in tier
  • - Total Members: Bottom 9.7% in tier
  • - Total Deposits: Bottom 9.8% in tier
  • - Total Loans: Bottom 10.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 363
+7.4% YoY+17.1% QoQ
-2.3K 2,676
+1.6% YoY
12,306
-36.1% YoY
33,913
+5.7% YoY
Bottom 9.6% in tier
Assets $1.8M
-2.2% YoY+2.1% QoQ
$-28.4M $30.2M
+1.3% YoY
$170.3M
-37.4% YoY
$578.3M
+9.0% YoY
Bottom 8.4% in tier
Loans $806,525
-9.9% YoY+4.5% QoQ
$-14.5M $15.3M
-2.0% YoY
$121.5M
-36.6% YoY
$402.4M
+8.7% YoY
Bottom 9.9% in tier
Deposits $1.6M
-2.8% YoY+2.4% QoQ
$-24.2M $25.8M
+0.7% YoY
$144.0M
-38.1% YoY
$494.3M
+9.1% YoY
Bottom 9.8% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.0%
-96.8% YoY-96.3% QoQ
-0.1% 0.1%
-77.6% YoY
0.6%
+30.6% YoY
0.4%
-39.2% YoY
22%
NIM 4.2%
-2.1% YoY-5.7% QoQ
+0.2% 4.0%
+4.0% YoY
4.0%
+4.6% YoY
3.8%
+4.1% YoY
67%
Efficiency Ratio 99.5%
+16.3% YoY+13.1% QoQ
+8.9% 90.6%
+6.5% YoY
78.0%
-2.8% YoY
84.6%
+2.8% YoY
84%
Delinquency Rate 0.1%
-97.1% YoY+117.7% QoQ
-1.4 1.5%
+3.8% YoY
1.3%
+3.6% YoY
1.2%
+3.4% YoY
24%
Loan To Share 51.6%
-7.3% YoY+2.1% QoQ
-7.0% 58.5%
-3.0% YoY
69.9%
-0.4% YoY
65.6%
-1.4% YoY
39%
AMR $6,532
-11.9% YoY-12.0% QoQ
$-8K $14,884
-1.7% YoY
$16,649
+0.9% YoY
$19,920
+1.6% YoY
Bottom 13.5% in tier
CD Concentration 0.0% -24.3% 24.3% 24.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 12.2% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
116
Member Growth Rate
growth
Value: 7.40%
Peer Median: -1.37%
#116 of 2508 Top 4.6% in <100M tier
608
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Median: 0.65%
#608 of 2508 Top 24.2% in <100M tier

Top Weaknesses (12 metrics)

2374
AMR Growth Rate
growth
Value: -11.88%
Peer Median: 1.27%
#2374 of 2508 Bottom 5.4% in <100M tier
2297
Total Assets
balance_sheet
Value: $1.77M
Peer Median: $21.86M
#2297 of 2508 Bottom 8.5% in <100M tier
2265
Total Members
engagement
Value: 363
Peer Median: 1,918
#2265 of 2508 Bottom 9.7% in <100M tier
2262
Total Deposits
balance_sheet
Value: $1.56M
Peer Median: $18.77M
#2262 of 2508 Bottom 9.8% in <100M tier
2259
Total Loans
balance_sheet
Value: $806,525
Peer Median: $9.48M
#2259 of 2508 Bottom 10.0% in <100M tier
2185
Members Per Employee (MPE)
engagement
Value: 181.500
Peer Median: 333.750
#2185 of 2508 Bottom 12.9% in <100M tier
2169
Average Member Relationship (AMR)
engagement
Value: $6,532
Peer Median: $13,926
#2169 of 2508 Bottom 13.6% in <100M tier
2105
Loan-to-Member Ratio (LMR)
engagement
Value: $2,222
Peer Median: $4,923
#2105 of 2508 Bottom 16.1% in <100M tier
2101
Efficiency Ratio
profitability
Value: 99.51%
Peer Median: 81.45%
#2101 of 2508 Bottom 16.3% in <100M tier
1957
Return on Assets (ROA)
profitability
Value: 0.02%
Peer Median: 0.61%
#1957 of 2508 Bottom 22.0% in <100M tier
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