BlastPoint's Credit Union Scorecard
EAGLE
Charter #3869 · KS
EAGLE has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 5.43% above tier (higher cost structure)
- - Member decline: -8.3% YoY
- - Net Charge-Off Rate: Bottom 4.3% in tier
- - Member Growth Rate: Bottom 7.6% in tier
- - Total Members: Bottom 8.1% in tier
- - Total Assets: Bottom 8.5% in tier
- - Total Loans: Bottom 9.3% in tier
- - Total Deposits: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
310
-8.3% YoY-1.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Bottom 8.1% in tier |
| Assets |
$1.7M
-3.4% YoY-0.5% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.4% in tier |
| Loans |
$771,831
-13.1% YoY-1.4% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.3% in tier |
| Deposits |
$1.5M
-4.5% YoY-0.6% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.6% in tier |
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| ROA |
0.6%
-66.4% YoY-13.9% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
4.5%
-12.2% YoY-0.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
88.0%
+28.9% YoY+2.3% QoQ
|
+5.4% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.1%
-98.4% YoY-49.6% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
50.5%
-9.0% YoY-0.8% QoQ
|
-10.1% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$7,419
+0.8% YoY+0.4% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)