BlastPoint's Credit Union Scorecard
WICHITA
Charter #3907 · KS
WICHITA has 8 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 6.2% in tier
- + ROA 0.59% above tier average
- + Net Interest Margin 1.99% above tier average
- + Strong member growth: 23.6% YoY
- + Asset Growth Rate: Top 1.3% in tier
- + Member Growth Rate: Top 1.5% in tier
- + Deposit Growth Rate: Top 1.5% in tier
- + Efficiency Ratio: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 15.0% in tier
- - Credit Quality Pressure: Bottom 17.0% in tier
- - Credit Risk Growth: Bottom 18.5% in tier
- - Indirect Auto Dependency: Bottom 45.0% in tier
- - Delinquency rate 1.09% above tier average
- - AMR Growth Rate: Bottom 2.4% in tier
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - Share Certificate Concentration (%): Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,586
+23.6% YoY+18.5% QoQ
|
+3.1K |
15,437
-2.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$268.9M
+26.0% YoY+20.9% QoQ
|
+$37.0M |
$231.9M
+1.3% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$199.8M
+6.8% YoY+2.3% QoQ
|
+$52.5M |
$147.3M
-0.1% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$226.8M
+23.8% YoY+19.4% QoQ
|
+$26.0M |
$200.8M
+0.8% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
1.4%
+103.6% YoY+31.0% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Top 14.3% in tier |
| NIM |
5.6%
+21.1% YoY+4.4% QoQ
|
+2.0% |
3.6%
+6.7% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
57.5%
-18.1% YoY-1.3% QoQ
|
-19.5% |
77.0%
-3.1% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.0% in tier |
| Delinquency Rate |
2.0%
+34.3% YoY+31.4% QoQ
|
+1.1 |
0.9%
+4.2% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 7.6% in tier |
| Loan To Share |
88.1%
-13.7% YoY-14.3% QoQ
|
+15.9% |
72.2%
-1.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$22,954
-6.8% YoY-6.6% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
43.9%
-12.0% YoY-13.3% QoQ
|
+19.5% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % |
22.1%
-7.9% YoY-3.2% QoQ
|
+8.3% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)