BlastPoint's Credit Union Scorecard

CATHOLIC FAMILY

Charter #5510 · KS

2556 CUs in <100M nationally 44 in KS

CATHOLIC FAMILY has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Member Growth Rate: Top 7.4% in tier

Key Concerns

Areas that may need attention

- ROA 0.77% below tier average
- Efficiency ratio 14.06% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 2.7% in tier
- Net Worth Ratio: Bottom 4.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	3,616 +4.1% YoY+0.9% QoQ	+1.0K	2,615 -1.9% YoY	12,209 -35.0% YoY	33,374 +5.7% YoY	75%
Assets	$38.3M -0.3% YoY+2.8% QoQ	+$8.1M	$30.1M +2.1% YoY	$164.3M -37.3% YoY	$561.6M +9.7% YoY	68%
Loans	$22.8M +8.7% YoY+1.0% QoQ	+$7.0M	$15.8M -1.3% YoY	$120.8M -36.2% YoY	$397.0M +8.8% YoY	74%
Deposits	$35.0M +2.3% YoY+3.2% QoQ	+$9.4M	$25.7M +1.4% YoY	$139.5M -36.6% YoY	$477.3M +9.7% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -202.9% YoY+441.9% QoQ	-0.8%	0.6% +10.8% YoY	0.6% +32.6% YoY	0.7% +15.9% YoY	Bottom 13.2% in tier
NIM	3.5% +8.3% YoY-0.0% QoQ	-0.5%	4.0% +4.0% YoY	4.0% +7.1% YoY	3.8% +5.1% YoY	33%
Efficiency Ratio	96.6% +2.3% YoY-0.9% QoQ	+14.1%	82.6% -2.3% YoY	78.8% -6.8% YoY	79.7% -3.3% YoY	85%
Delinquency Rate	1.0% -11.4% YoY+4.0% QoQ	-0.6	1.6% -3.1% YoY	1.5% -6.0% YoY	1.3% -2.1% YoY	59%
Loan To Share	65.1% +6.3% YoY-2.2% QoQ	+4.5%	60.6% -3.1% YoY	71.6% -2.2% YoY	67.4% -1.7% YoY	56%
AMR	$15,995 +0.6% YoY+1.4% QoQ	+$1K	$14,783 -1.4% YoY	$16,403 +0.2% YoY	$19,687 +2.0% YoY	62%
CD Concentration	18.6% -15.2% YoY-4.6% QoQ	-5.9%	24.4%	24.6%	19.8%	50%
Indirect Auto %	40.1% +29.5% YoY+5.1% QoQ	+26.3%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (3 metrics)

190

Member Growth Rate

growth

Value: 4.15%

Peer Median: -

#190 of 2556 Top 7.4% in <100M tier

334

Loan Growth Rate

growth

Value: 8.75%

Peer Median: -

#334 of 2556 Top 13.0% in <100M tier

637

Total Members

engagement

Value: 3,616

Peer Median: -

#637 of 2556 Top 24.9% in <100M tier

Top Weaknesses (4 metrics)

2487

Indirect Auto Concentration (%)

balance_sheet

Value: 40.07%

Peer Median: -

#2487 of 2556 Bottom 2.7% in <100M tier

2446

Net Worth Ratio

risk

Value: 7.89%

Peer Median: -

#2446 of 2556 Bottom 4.3% in <100M tier

2219

Return on Assets (ROA)

profitability

Value: -0.15%

Peer Median: -

#2219 of 2556 Bottom 13.2% in <100M tier

2172

Efficiency Ratio

profitability

Value: 96.62%

Peer Median: -

#2172 of 2556 Bottom 15.1% in <100M tier