BlastPoint's Credit Union Scorecard

U S P L K EMPLOYEES

Charter #4427 · KS

<100M

2508 CUs in <100M nationally 43 in KS

U S P L K EMPLOYEES has 1 strength but faces 3 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

+ ROA 0.42% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 6.4% in tier
- First Mortgage Concentration (%): Bottom 7.5% in tier
- Loan-to-Share Ratio: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	2,053 -1.8% YoY0% QoQ	-623	2,676 +1.6% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	53%
Assets	$35.0M -3.8% YoY+0.3% QoQ	+$4.8M	$30.2M +1.3% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	64%
Loans	$8.0M -5.1% YoY-4.9% QoQ	$-7.3M	$15.3M -2.0% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	46%
Deposits	$30.3M -4.5% YoY+0.3% QoQ	+$4.5M	$25.8M +0.7% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	65%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +115.6% QoQ	+0.4%	0.1% -77.6% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	48%
NIM	2.4% +106.8% YoY+53.2% QoQ	-1.6%	4.0% +4.0% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	Bottom 6.4% in tier
Efficiency Ratio	80.1% -21.1% YoY-5.4% QoQ	-10.6%	90.6% +6.5% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	0.1%	-1.4	1.5% +3.8% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	25%
Loan To Share	26.4% -0.6% YoY-5.2% QoQ	-32.1%	58.5% -3.0% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	Bottom 8.4% in tier
AMR	$18,679 -2.9% YoY-0.8% QoQ	+$4K	$14,884 -1.7% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	72%
CD Concentration	30.9% +2.1% YoY-0.3% QoQ	+6.6%	24.3%	24.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	12.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

337

Members Per Employee (MPE)

engagement

Value: 513.250

Peer Median: 333.750

#337 of 2508 Top 13.4% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (6 metrics)

2348

Net Interest Margin (NIM)

profitability

Value: 2.37%

Peer Median: 3.83%

#2348 of 2508 Bottom 6.4% in <100M tier

2321

First Mortgage Concentration (%)

balance_sheet

Value: 51.54%

Peer Median: 3.66%

#2321 of 2508 Bottom 7.5% in <100M tier

2295

Loan-to-Share Ratio

balance_sheet

Value: 26.43%

Peer Median: 58.72%

#2295 of 2508 Bottom 8.5% in <100M tier

2101

Share Certificate Concentration (%)

balance_sheet

Value: 30.92%

Peer Median: 12.45%

#2101 of 2508 Bottom 16.3% in <100M tier

2035

Asset Growth Rate

growth

Value: -3.79%

Peer Median: 1.30%

#2035 of 2508 Bottom 18.9% in <100M tier

1996

Deposit Growth Rate

growth

Value: -4.51%

Peer Median: 0.66%

#1996 of 2508 Bottom 20.5% in <100M tier