BlastPoint's Credit Union Scorecard
KANSAS STATE UNIVERSITY
Charter #5257 · KS
KANSAS STATE UNIVERSITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 4.21% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kansas.
- Shares and deposits +6.4% year over year ($123M in shares and deposits).
- Membership: 9,800 members, +0.5% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 0.59%.
- Efficiency ratio 80.94% vs a 76.73% peer average.
- Loan-to-share ratio 64.28% vs a 71.54% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,800
+0.5% YoY+0.4% QoQ
|
-5.4K |
15,168
-2.6% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$139.9M
+5.1% YoY-0.8% QoQ
|
$-92.1M |
$232.0M
+0.7% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$79.2M
+9.1% YoY+2.4% QoQ
|
$-67.1M |
$146.3M
+0.2% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$123.2M
+6.4% YoY-0.8% QoQ
|
$-77.5M |
$200.7M
+0.2% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
0.6%
-40.9% YoY+5.7% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
3.4%
-2.4% YoY+3.8% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
80.9%
+10.8% YoY+3.7% QoQ
|
+4.2% |
76.7%
-0.8% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.9%
-4.8% YoY+35.5% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
64.3%
+2.5% YoY+3.2% QoQ
|
-7.3% |
71.5%
-0.3% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$20,650
+6.9% YoY+0.0% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
23.1%
+5.4% YoY-7.7% QoQ
|
-1.5% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % |
4.3%
+153.4% QoQ
|
-9.3% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)