BlastPoint's Credit Union Scorecard
KC UNIDOS
Charter #4531 · MO
KC UNIDOS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Net Interest Margin 4.19% above tier average
- + Loan-to-Share Ratio: Top 0.5% in tier
- + Net Worth Ratio: Top 5.3% in tier
- + Member Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.38% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,579
+4.5% YoY-0.3% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$8.0M
+2.7% YoY-1.2% QoQ
|
$-22.2M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$7.0M
+3.8% YoY+2.0% QoQ
|
$-8.8M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$5.4M
+3.1% YoY-1.4% QoQ
|
$-20.3M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
1.3%
-18.3% YoY+12.9% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
8.1%
+4.8% YoY+5.2% QoQ
|
+4.2% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Top 0.4% in tier |
| Efficiency Ratio |
85.9%
+10.7% YoY+2.1% QoQ
|
+3.4% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.7%
+114.5% YoY+150.0% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
129.5%
+0.7% YoY+3.4% QoQ
|
+68.8% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 0.6% in tier |
| AMR |
$7,838
-1.0% YoY+0.8% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
20.1%
+206.7% YoY+133.5% QoQ
|
-4.4% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 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)