BlastPoint's Credit Union Scorecard
KC UNIDOS
Charter #4531 · MO
KC UNIDOS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.85% above tier average
- + Loan-to-Share Ratio: Top 0.9% in tier
- + Net Worth Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 6.92% above tier (higher cost structure)
- - Member decline: -2.6% YoY
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 58 that size in Missouri.
- Shares and deposits -1.7% year over year ($5.9M in shares and deposits).
- Membership: 1,598 members, -2.6% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 0.39%.
- Efficiency ratio 95.68% vs a 88.77% peer average.
- Loan-to-share ratio 113.40% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,598
-2.6% YoY+1.3% QoQ
|
-987 |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$8.5M
-0.8% YoY-0.2% QoQ
|
$-21.8M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$6.7M
-2.6% YoY-0.4% QoQ
|
$-8.7M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$5.9M
-1.7% YoY-0.6% QoQ
|
$-19.9M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.4%
-65.0% YoY-39.8% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
7.8%
-0.8% YoY+1.3% QoQ
|
+3.9% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
95.7%
+15.6% YoY+3.1% QoQ
|
+6.9% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
0.6%
+0.2% YoY+64.8% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
113.4%
-1.0% YoY+0.2% QoQ
|
+54.5% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Top 1.0% in tier |
| AMR |
$7,902
+0.4% YoY-1.7% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
13.7%
-13.5% YoY-25.4% QoQ
|
-10.8% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 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)