BlastPoint's Credit Union Scorecard
CREDIT UNION OF AMERICA
Charter #60062 · KS
CREDIT UNION OF AMERICA has 2 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.7% in tier
- - Indirect Auto Dependency: Bottom 25.3% in tier
- - Credit Risk Growth: Bottom 29.3% in tier
- - Credit Quality Pressure: Bottom 51.1% in tier
- - Share Certificate Concentration (%): Bottom 5.0% in tier
- - Indirect Auto Concentration (%): Bottom 9.3% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Kansas.
- Shares and deposits +9.1% year over year ($1.53B in shares and deposits).
- Membership: 107,124 members, +4.4% vs a year ago.
- Delinquency rate 0.64%.
- Return on assets 1.23%.
- Efficiency ratio 66.59% vs a 73.02% peer average.
- Loan-to-share ratio 100.05% vs a 84.71% 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 |
107,124
+4.4% YoY+0.7% QoQ
|
+10.3K |
96,861
-1.9% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$1.9B
+8.3% YoY+1.1% QoQ
|
+$126.2M |
$1.7B
+0.4% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$1.5B
+9.3% YoY+0.8% QoQ
|
+$291.6M |
$1.2B
+0.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$1.5B
+9.1% YoY+1.1% QoQ
|
+$61.7M |
$1.5B
+0.5% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
1.2%
+43.7% YoY+30.9% QoQ
|
+0.4% |
0.8%
+27.6% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
3.5%
+6.0% YoY+1.2% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
66.6%
-9.4% YoY-7.5% QoQ
|
-6.4% |
73.0%
-2.7% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
0.6%
+5.6% YoY+13.9% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
100.1%
+0.1% YoY-0.3% QoQ
|
+15.3% |
84.7%
+0.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
Top 14.0% in tier |
| AMR |
$28,480
+4.6% YoY+0.2% QoQ
|
$-1K |
$29,575
+1.5% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
45.2%
-0.6% YoY-1.1% QoQ
|
+16.1% | 29.1% | 24.4% | 20.0% | Top 5.6% in tier |
| Indirect Auto % |
40.5%
-1.7% YoY-1.2% QoQ
|
+22.4% | 18.1% | 12.0% | 7.7% | Bottom 9.3% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)