BlastPoint's Credit Union Scorecard

WICHITA

Charter #3907 · KS

1077 CUs in 100M-500M nationally 9 in KS

WICHITA has 8 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

+ Organic Growth Engine: Top 7.5% in tier
+ Emerging Performer: Top 31.0% in tier
+ ROA 0.24% above tier average
+ Net Interest Margin 1.77% above tier average
+ Strong member growth: 5.9% YoY
+ Loan-to-Share Ratio: Top 1.9% in tier
+ Efficiency Ratio: Top 6.7% in tier
+ Member Growth Rate: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.5% in tier
- Credit Risk Growth: Bottom 7.2% in tier
- Credit Quality Pressure: Bottom 8.1% in tier
- Indirect Auto Dependency: Bottom 25.6% in tier
- Delinquency rate 0.65% above tier average
- Share Certificate Concentration (%): Bottom 1.2% in tier
- Net Charge-Off Rate: Bottom 1.9% in tier
- Members Per Employee (MPE): Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	15,685 +5.9% YoY0% QoQ	+56	15,628 -3.4% YoY	17,915 -2.9% YoY	33,089 +6.1% YoY	60%
Assets	$222.4M +5.0% YoY-1.3% QoQ	$-8.9M	$231.3M -0.0% YoY	$244.1M -6.9% YoY	$547.7M +7.8% YoY	57%
Loans	$195.3M +6.5% YoY+2.1% QoQ	+$47.5M	$147.8M -1.4% YoY	$175.9M -4.8% YoY	$388.7M +8.6% YoY	74%
Deposits	$190.0M +4.4% YoY-1.8% QoQ	$-10.2M	$200.3M -0.0% YoY	$209.0M -2.4% YoY	$464.6M +9.3% YoY	56%

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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	1.0% +50.4% YoY-24.8% QoQ	+0.2%	0.8% +15.5% YoY	0.7% +53.0% YoY	0.7% +273.4% YoY	68%
NIM	5.4% +18.2% YoY+3.7% QoQ	+1.8%	3.6% +6.9% YoY	4.0% +8.4% YoY	3.7% +5.0% YoY	Top 1.5% in tier
Efficiency Ratio	58.2% -18.4% YoY+5.6% QoQ	-19.0%	77.3% -3.0% YoY	77.0% -6.2% YoY	79.1% -3.3% YoY	Bottom 6.7% in tier
Delinquency Rate	1.5% +33.4% YoY-5.2% QoQ	+0.6	0.9% +7.6% YoY	1.2% -23.8% YoY	1.2% -0.9% YoY	Top 14.0% in tier
Loan To Share	102.8% +2.0% YoY+3.9% QoQ	+30.1%	72.7% -1.5% YoY	71.9% -2.0% YoY	68.0% -1.7% YoY	Top 2.0% in tier
AMR	$24,569 -0.4% YoY+0.1% QoQ	+$205	$24,363 +2.9% YoY	$16,347 +1.3% YoY	$19,418 +1.3% YoY	62%
CD Concentration	50.6% +0.8% YoY+0.6% QoQ	+26.2%	24.4% +4.2% YoY	24.2% -2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	22.9% -6.1% YoY-1.5% QoQ	+8.9%	14.0% -5.7% YoY	12.4% -5.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#139 of 603 • Top 7.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.93%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.03%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 22.85%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Emerging Performer

growth

#60 of 191 • Top 31.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.03%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 5.93%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk

#36 of 258 • Bottom 4.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.77%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.51%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#109 of 446 • Bottom 7.2% in tier

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

Why This Signature

Loan Growth (YoY): 6.51%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.38% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#202 of 736 • Bottom 8.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.38% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#412 of 525 • Bottom 25.6% in tier

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

Why This Signature

Asset Growth (YoY): 4.95%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 22.85%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 5.93%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.36%

Peer Avg: -

#16 of 1077 Top 1.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 102.77%

Peer Avg: -

#22 of 1077 Top 1.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 58.23%

Peer Avg: -

#73 of 1077 Top 6.7% in 100M-500M tier

Member Growth Rate

growth

Value: 5.93%

Peer Avg: -

#81 of 1077 Top 7.4% in 100M-500M tier

122

Fee Income Per Member

profitability

Value: $257.74

Peer Avg: -

#122 of 1077 Top 11.2% in 100M-500M tier

227

Loan-to-Member Ratio (LMR)

engagement

Value: $12,452

Peer Avg: -

#227 of 1077 Top 21.0% in 100M-500M tier

237

Net Worth Ratio

risk

Value: 13.94%

Peer Avg: -

#237 of 1077 Top 21.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1065

Share Certificate Concentration (%)

balance_sheet

Value: 50.65%

Peer Avg: -

#1065 of 1077 Bottom 1.2% in 100M-500M tier

1058

Net Charge-Off Rate

risk

Value: 1.87%

Peer Avg: -

#1058 of 1077 Bottom 1.9% in 100M-500M tier

977

Members Per Employee (MPE)

engagement

Value: 224.071

Peer Avg: -

#977 of 1077 Bottom 9.4% in 100M-500M tier

927

Total Delinquency Rate (60+ days)

risk

Value: 1.51%

Peer Avg: -

#927 of 1077 Bottom 14.0% in 100M-500M tier

877

AMR Growth Rate

growth

Value: -0.44%

Peer Avg: -

#877 of 1077 Bottom 18.7% in 100M-500M tier

818

Indirect Auto Concentration (%)

balance_sheet

Value: 22.85%

Peer Avg: -

#818 of 1077 Bottom 24.1% in 100M-500M tier