BlastPoint's Credit Union Scorecard

WICHITA

Charter #3907 · KS

100M-500M

1070 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 1.79% above tier average
+ Strong member growth: 22.8% YoY
+ Asset Growth Rate: Top 1.4% in tier
+ Deposit Growth Rate: Top 1.5% in tier
+ Member Growth Rate: Top 1.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.26% below tier average
- Delinquency rate 0.96% above tier average
- Net Charge-Off Rate: Bottom 2.5% in tier
- Share Certificate Concentration (%): Bottom 4.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	18,893 +22.8% YoY+1.7% QoQ	+3.7K	15,145 -2.5% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	74%
Assets	$275.1M +23.7% YoY+2.3% QoQ	+$43.4M	$231.7M +0.8% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	69%
Loans	$201.8M +8.7% YoY+1.0% QoQ	+$57.6M	$144.1M +0.2% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	76%
Deposits	$232.8M +21.8% YoY+2.6% QoQ	+$31.7M	$201.1M +0.4% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	66%

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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% -80.6% YoY-65.0% QoQ	-0.3%	0.7% +5.1% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	34%
NIM	5.4% +5.1% YoY-3.1% QoQ	+1.8%	3.6% +4.6% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	Top 1.4% in tier
Efficiency Ratio	67.4% +50.0% YoY+17.3% QoQ	-10.6%	78.0% -1.7% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	20%
Delinquency Rate	1.7% +51.1% YoY-12.4% QoQ	+1.0	0.8% +7.1% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	Bottom 7.2% in tier
Loan To Share	86.7% -10.8% YoY-1.6% QoQ	+16.3%	70.4% -0.4% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	82%
AMR	$23,002 -6.1% YoY+0.2% QoQ	$-2K	$24,918 +2.7% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	50%
CD Concentration	43.5% -12.9% YoY-0.9% QoQ	+19.3%	24.3%	24.3%	19.8%	50%
Indirect Auto %	21.9% -7.0% YoY-1.1% QoQ	+8.1%	13.8%	12.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Risk Growth

risk

#49 of 476 • 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): 8.70%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.59% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#89 of 727 • 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): 0.59% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#51 of 238 • 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): -6.08%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#237 of 504 • 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): 23.67%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 21.88%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 22.82%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.42%

Peer Median: 3.62%

#15 of 1070 Top 1.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 23.67%

Peer Median: 3.91%

#16 of 1070 Top 1.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 21.81%

Peer Median: 3.30%

#17 of 1070 Top 1.5% in 100M-500M tier

Member Growth Rate

growth

Value: 22.82%

Peer Median: -0.06%

#20 of 1070 Top 1.8% in 100M-500M tier

189

Loan-to-Share Ratio

balance_sheet

Value: 86.68%

Peer Median: 71.88%

#189 of 1070 Top 17.6% in 100M-500M tier

212

Efficiency Ratio

profitability

Value: 67.43%

Peer Median: 78.68%

#212 of 1070 Top 19.7% in 100M-500M tier

216

Net Worth Ratio

risk

Value: 14.03%

Peer Median: 11.45%

#216 of 1070 Top 20.1% in 100M-500M tier

228

Loan Growth Rate

growth

Value: 8.70%

Peer Median: 2.93%

#228 of 1070 Top 21.2% in 100M-500M tier

254

Total Loans

balance_sheet

Value: $201.78M

Peer Median: $121.41M

#254 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1044

Net Charge-Off Rate

risk

Value: 1.80%

Peer Median: 0.35%

#1044 of 1070 Bottom 2.5% in 100M-500M tier

1027

Share Certificate Concentration (%)

balance_sheet

Value: 43.53%

Peer Median: 23.10%

#1027 of 1070 Bottom 4.1% in 100M-500M tier

1024

AMR Growth Rate

growth

Value: -6.08%

Peer Median: 3.46%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

994

Total Delinquency Rate (60+ days)

risk

Value: 1.73%

Peer Median: 0.61%

#994 of 1070 Bottom 7.2% in 100M-500M tier

886

Members Per Employee (MPE)

engagement

Value: 245.364

Peer Median: 309.176

#886 of 1070 Bottom 17.3% in 100M-500M tier

807

Indirect Auto Concentration (%)

balance_sheet

Value: 21.88%

Peer Median: 6.61%

#807 of 1070 Bottom 24.7% in 100M-500M tier