BlastPoint's Credit Union Scorecard
KANSAS STATE UNIVERSITY
Charter #5257 · KS
KANSAS STATE UNIVERSITY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.17% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,760
-0.4% YoY+0.7% QoQ
|
-5.4K |
15,145
-2.5% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$141.1M
+3.7% YoY+0.8% QoQ
|
$-90.6M |
$231.7M
+0.8% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$77.3M
+7.5% YoY-1.9% QoQ
|
$-66.8M |
$144.1M
+0.2% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$124.2M
+3.3% YoY+1.0% QoQ
|
$-77.0M |
$201.1M
+0.4% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
0.6%
-52.9% YoY-37.3% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
3.3%
-3.4% YoY-5.2% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
78.1%
+14.1% YoY+3.1% QoQ
|
+0.0% |
78.0%
-1.7% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
47% |
| Delinquency Rate |
0.7%
+3.5% YoY-32.7% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
62.3%
+4.0% YoY-2.8% QoQ
|
-8.1% |
70.4%
-0.4% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$20,643
+5.3% YoY-0.8% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
25.0%
+10.6% YoY-2.8% QoQ
|
+0.7% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % |
1.7%
+1402.2% QoQ
|
-12.1% | 13.8% | 12.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)