BlastPoint's Credit Union Scorecard
U S P L K EMPLOYEES
Charter #4427 · KS
U S P L K EMPLOYEES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Member decline: -11.4% YoY
- - Net Interest Margin (NIM): Bottom 2.9% in tier
- - Member Growth Rate: Bottom 4.9% in tier
- - First Mortgage Concentration (%): Bottom 8.2% in tier
- - Loan-to-Share Ratio: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -5.1% year over year ($29.1M in shares and deposits).
- Membership: 1,842 members, -11.4% vs a year ago.
- Delinquency rate 0.15%.
- Return on assets 0.88%.
- Efficiency ratio 57.66% vs a 88.77% peer average.
- Loan-to-share ratio 26.74% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,842
-11.4% YoY-10.3% QoQ
|
-743 |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$34.0M
-4.1% YoY-3.0% QoQ
|
+$3.7M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$7.8M
-7.3% YoY-2.8% QoQ
|
$-7.7M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$29.1M
-5.1% YoY-3.9% QoQ
|
+$3.3M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
0.9%
+1347.2% YoY+54.3% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
1.9%
+42.9% YoY-20.8% QoQ
|
-2.0% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
57.7%
-39.6% YoY-28.0% QoQ
|
-31.1% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
Top 9.8% in tier |
| Delinquency Rate |
0.2%
+2.7% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
26.7%
-2.3% YoY+1.2% QoQ
|
-32.2% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.6% in tier |
| AMR |
$20,055
+6.6% YoY+7.4% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
28.6%
-6.2% YoY-7.4% QoQ
|
+4.1% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 7.7% | 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)