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BlastPoint's Credit Union Scorecard

WICHITA

Charter #3907 · KS

100M-500M
1024 CUs in 100M-500M nationally 10 in KS

WICHITA has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?
KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 1.80% above tier average
  • + Strong member growth: 23.2% YoY
  • + Asset Growth Rate: Top 0.9% in tier
  • + Deposit Growth Rate: Top 1.0% in tier
  • + Member Growth Rate: Top 1.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - ROA 0.33% below tier average
  • - Delinquency rate 1.23% above tier average
  • - Net Charge-Off Rate: Bottom 1.0% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kansas.
  • Shares and deposits +22.7% year over year ($237M in shares and deposits).
  • Membership: 19,318 members, +23.2% vs a year ago.
  • Delinquency rate 2.11%.
  • Return on assets 0.53%.
  • Efficiency ratio 64.02% vs a 76.73% peer average.
  • Loan-to-share ratio 87.31% vs a 71.54% 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 19,318
+23.2% YoY+2.2% QoQ
 +4.1K 15,168
-2.6% YoY
 21,725
-5.1% YoY
 34,678
+6.6% YoY
 75%
Assets $280.5M
+24.4% YoY+1.9% QoQ
 +$48.5M $232.0M
+0.7% YoY
 $314.3M
-2.5% YoY
 $593.1M
+10.2% YoY
 70%
Loans $207.2M
+8.3% YoY+2.7% QoQ
 +$61.0M $146.3M
+0.2% YoY
 $223.6M
-4.3% YoY
 $418.6M
+10.1% YoY
 77%
Deposits $237.3M
+22.7% YoY+2.0% QoQ
 +$36.6M $200.7M
+0.2% YoY
 $272.9M
-1.4% YoY
 $504.8M
+10.3% YoY
 68%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.5%
-61.1% YoY+12.7% QoQ
 -0.3% 0.9%
+12.5% YoY
 1.0%
+59.0% YoY
 1.2%
+121.4% YoY
 31%
NIM 5.5%
+6.2% YoY+1.2% QoQ
 +1.8% 3.7%
+4.5% YoY
 4.1%
+6.5% YoY
 3.8%
+2.3% YoY
 Top 1.1% in tier
Efficiency Ratio 64.0%
+16.1% YoY-5.1% QoQ
 -12.7% 76.7%
-0.8% YoY
 76.8%
-1.7% YoY
 83.0%
-5.3% YoY
 Top 13.9% in tier
Delinquency Rate 2.1%
+32.6% YoY+21.5% QoQ
 +1.2 0.9%
+6.6% YoY
 1.5%
+11.1% YoY
 1.3%
+2.6% YoY
 Bottom 6.3% in tier
Loan To Share 87.3%
-11.7% YoY+0.7% QoQ
 +15.8% 71.5%
-0.3% YoY
 71.5%
-1.0% YoY
 66.4%
-1.4% YoY
 80%
AMR $23,014
-6.2% YoY+0.1% QoQ
 $-2K $25,107
+3.2% YoY
 $16,832
+1.8% YoY
 $20,028
-0.9% YoY
 50%
CD Concentration 45.3%
-10.1% YoY+4.1% QoQ
 +20.7% 24.6% 24.4% 20.0% 50%
Indirect Auto % 22.3%
-4.0% YoY+1.7% QoQ
 +8.6% 13.6% 12.0% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk
#52 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.28%
(Tier: 4.13%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.52% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally
↑ Growing +32 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#38 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -6.22%
(Tier: 3.97%, National: 35.20%)
worse than tier avg
223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally
↓ Shrinking -61 CUs YoY | Rank improving

Cost Spiral

risk
#18 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 8.90% points
(Tier: -0.48% points, National: -3.74% points)
worse than tier avg
Efficiency Ratio (Prior Year): 55.12%
(Tier: 77.10%, National: 86.72%)
but better than tier avg
95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally
↑ Growing +30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#132 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.52% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#209 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 24.44%
(Tier: 4.62%, National: 3.30%)
but better than tier avg
Indirect Auto %: 22.25%
(Tier: 13.63%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 23.16%
(Tier: 0.46%, National: 15.67%)
but better than tier avg
476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally
↓ Shrinking -57 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (10 metrics)

10
Asset Growth Rate
growth
Value: 24.44%
Peer Median: 4.12%
#10 of 1024 Top 0.9% in 100M-500M tier
11
Net Interest Margin (NIM)
profitability
Value: 5.48%
Peer Median: 3.67%
#11 of 1024 Top 1.0% in 100M-500M tier
11
Deposit Growth Rate
growth
Value: 22.65%
Peer Median: 3.58%
#11 of 1024 Top 1.0% in 100M-500M tier
13
Member Growth Rate
growth
Value: 23.16%
Peer Median: -0.03%
#13 of 1024 Top 1.2% in 100M-500M tier
143
Efficiency Ratio
profitability
Value: 64.02%
Peer Median: 77.26%
#143 of 1024 Top 13.9% in 100M-500M tier
200
Loan-to-Share Ratio
balance_sheet
Value: 87.31%
Peer Median: 73.07%
#200 of 1024 Top 19.4% in 100M-500M tier
208
Net Worth Ratio
risk
Value: 14.52%
Peer Median: 11.71%
#208 of 1024 Top 20.2% in 100M-500M tier
231
Loan Growth Rate
growth
Value: 8.28%
Peer Median: 3.02%
#231 of 1024 Top 22.5% in 100M-500M tier
233
Total Loans
balance_sheet
Value: $207.23M
Peer Median: $124.04M
#233 of 1024 Top 22.7% in 100M-500M tier
255
Total Members
engagement
Value: 19,318
Peer Median: 13,128
#255 of 1024 Top 24.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1015
Net Charge-Off Rate
risk
Value: 2.21%
Peer Median: 0.34%
#1015 of 1024 Bottom 1.0% in 100M-500M tier
992
AMR Growth Rate
growth
Value: -6.22%
Peer Median: 3.53%
#992 of 1024 Bottom 3.2% in 100M-500M tier
987
Share Certificate Concentration (%)
balance_sheet
Value: 45.29%
Peer Median: 23.39%
#987 of 1024 Bottom 3.7% in 100M-500M tier
960
Total Delinquency Rate (60+ days)
risk
Value: 2.11%
Peer Median: 0.71%
#960 of 1024 Bottom 6.3% in 100M-500M tier
800
Members Per Employee (MPE)
engagement
Value: 254.184
Peer Median: 310.924
#800 of 1024 Bottom 22.0% in 100M-500M tier
779
Indirect Auto Concentration (%)
balance_sheet
Value: 22.25%
Peer Median: 6.15%
#779 of 1024 Bottom 24.0% in 100M-500M tier
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