BlastPoint's Credit Union Scorecard
KC UNIDOS
Charter #4531 · MO
KC UNIDOS has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
- + Net Interest Margin 3.81% above tier average
- + Strong member growth: 5.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.5% in tier
- + Net Worth Ratio: Top 5.8% in tier
- + Member Growth Rate: Top 6.0% in tier
- + Asset Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.76% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,583
+5.7% YoY-3.5% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$8.1M
+9.3% YoY-6.0% QoQ
|
$-21.8M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$6.8M
+3.2% YoY-0.7% QoQ
|
$-8.9M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$5.5M
+9.2% YoY-9.1% QoQ
|
$-20.0M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
25% |
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| ROA |
1.2%
-36.7% YoY+2.9% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
7.7%
-1.9% YoY-0.9% QoQ
|
+3.8% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
84.2%
+9.4% YoY+1.7% QoQ
|
+2.8% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.7%
+132.6% YoY+5.7% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
125.2%
-5.4% YoY+9.4% QoQ
|
+64.0% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 0.7% in tier |
| AMR |
$7,779
+0.0% YoY-1.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
8.6%
+37.5% YoY-45.8% QoQ
|
-15.8% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% 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)