BlastPoint's Credit Union Scorecard

CREDIT UNION OF AMERICA

Charter #60062 · KS

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 3 in KS

View Mid-Market leaderboard →

CREDIT UNION OF AMERICA has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.22% above tier average
+ Net Interest Margin 0.10% above tier average
+ Loan-to-Share Ratio: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.2% in tier
- Credit Risk Growth: Bottom 27.6% in tier
- Indirect Auto Dependency: Bottom 34.7% in tier
- Credit Quality Pressure: Bottom 55.8% in tier
- Share Certificate Concentration (%): Bottom 4.2% in tier
- Indirect Auto Concentration (%): Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	106,398 +4.3% YoY+1.6% QoQ	+10.3K	96,048 -2.7% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	68%
Assets	$1.8B +6.9% YoY+4.5% QoQ	+$111.2M	$1.7B +0.4% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	65%
Loans	$1.5B +9.2% YoY+3.8% QoQ	+$300.7M	$1.2B +0.2% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	73%
Deposits	$1.5B +7.7% YoY+4.7% QoQ	+$43.4M	$1.5B +0.5% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	61%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +109.3% YoY-7.3% QoQ	+0.2%	0.7% +27.6% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	74%
NIM	3.5% +5.5% YoY+1.2% QoQ	+0.1%	3.4% +6.2% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	72.0% -10.6% YoY+2.1% QoQ	-2.6%	74.6% -3.0% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	37%
Delinquency Rate	0.6% +1.9% YoY-12.2% QoQ	-0.2	0.8% +6.9% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	42%
Loan To Share	100.4% +1.5% YoY-0.8% QoQ	+17.2%	83.2% -0.4% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	Top 8.8% in tier
AMR	$28,416 +3.9% YoY+2.6% QoQ	$-1K	$29,652 +2.3% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	52%
CD Concentration	45.7% -1.3% YoY+0.8% QoQ	+16.9%	28.8%	24.3%	19.8%	Top 4.7% in tier
Indirect Auto %	41.0% +1.1% YoY+0.8% QoQ	+22.9%	18.1%	12.2%	7.7%	Bottom 8.9% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Liquidity Strain

risk

#24 of 148 • Bottom 10.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.36%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.24%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#46 of 198 • Bottom 34.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.93%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 41.00%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.34%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY

Credit Risk Growth

risk

#136 of 183 • Bottom 27.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.24%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#212 of 225 • Bottom 55.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 100.36%

Peer Median: 85.31%

#27 of 306 Top 8.5% in 1B-3B tier

Fee Income Per Member

profitability

Value: $260.33

Peer Median: $191.54

#56 of 306 Top 18.0% in 1B-3B tier

Member Growth Rate

growth

Value: 4.34%

Peer Median: 2.03%

#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (2 metrics)

294

Share Certificate Concentration (%)

balance_sheet

Value: 45.72%

Peer Median: 27.93%

#294 of 306 Bottom 4.2% in 1B-3B tier

282

Indirect Auto Concentration (%)

balance_sheet

Value: 41.00%

Peer Median: 13.86%

#282 of 306 Bottom 8.2% in 1B-3B tier