BlastPoint's Credit Union Scorecard
KC UNIDOS
Charter #4531 · MO
KC UNIDOS has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Net Interest Margin 3.64% above tier average
- + Strong member growth: 6.0% YoY
- + Loan-to-Share Ratio: Top 1.0% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 4.7% in tier
- + Member Growth Rate: Top 5.7% in tier
- + Net Worth Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.14% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,578
+6.0% YoY-0.1% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$8.5M
+12.2% YoY+7.0% QoQ
|
$-21.6M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$6.7M
-2.4% YoY-3.5% QoQ
|
$-8.5M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$6.0M
+17.4% YoY+10.3% QoQ
|
$-19.8M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.7%
-32.6% YoY-49.9% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
52% |
| NIM |
7.7%
-5.9% YoY-6.1% QoQ
|
+3.6% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
92.8%
+16.4% YoY+8.0% QoQ
|
+2.1% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.4%
-19.8% YoY-77.0% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
39% |
| Loan To Share |
113.2%
-16.9% YoY-12.5% QoQ
|
+54.7% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 1.2% in tier |
| AMR |
$8,041
-0.1% YoY+2.6% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
18.4%
+33.6% YoY-8.3% QoQ
|
-5.9% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 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)