BlastPoint's Credit Union Scorecard
U S P L K EMPLOYEES
Charter #4427 · KS
U S P L K EMPLOYEES has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 2.92% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.5% in tier
- - First Mortgage Concentration (%): Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,059
+2.9% YoY-1.0% QoQ
|
-566 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$34.9M
-2.1% YoY-1.6% QoQ
|
+$5.0M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$8.4M
-12.6% YoY-0.5% QoQ
|
$-7.4M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$30.2M
-2.6% YoY-1.8% QoQ
|
+$4.7M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
0.3%
+78.5% YoY+314.8% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
1.4%
+40.2% YoY+9.1% QoQ
|
-2.5% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio |
84.3%
-21.0% YoY-11.7% QoQ
|
+2.9% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
27.7%
-10.3% YoY+1.3% QoQ
|
-33.5% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.2% in tier |
| AMR |
$18,711
-7.7% YoY-0.5% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
31.3%
-0.4% YoY+2.7% QoQ
|
+6.9% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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)