BlastPoint's Credit Union Scorecard
CREDIT UNION OF AMERICA
Charter #60062 · KS
CREDIT UNION OF AMERICA has 4 strengths but faces 4 concerns
How does the industry compare?
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How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 22.4% in tier
- + Organic Growth Engine: Top 37.8% in tier
- + ROA 0.33% above tier average
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 21.8% in tier
- - Indirect Auto Dependency: Bottom 24.1% in tier
- - Share Certificate Concentration (%): Bottom 5.0% in tier
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
104,691
+4.5% YoY+0.6% QoQ
|
+7.3K |
97,431
-2.4% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$1.8B
+6.6% YoY+2.2% QoQ
|
+$28.3M |
$1.7B
+0.9% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$1.5B
+7.1% YoY+0.7% QoQ
|
+$224.0M |
$1.2B
+0.5% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$1.4B
+8.1% YoY+3.1% QoQ
|
$-18.2M |
$1.5B
+0.9% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
1.0%
+14.7% YoY+8.4% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.4%
+6.4% YoY+1.1% QoQ
|
+0.1% |
3.3%
+9.2% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
70.5%
-2.9% YoY-2.0% QoQ
|
-3.5% |
74.1%
-9.5% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.6%
-5.2% YoY+2.2% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
101.2%
-1.0% YoY-2.3% QoQ
|
+16.4% |
84.8%
-0.8% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 10.6% in tier |
| AMR |
$27,696
+2.9% YoY+1.3% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
45.4%
-1.3% YoY-1.0% QoQ
|
+16.3% | 29.0% | 24.6% | 19.8% | Top 5.3% in tier |
| Indirect Auto % |
40.7%
+2.3% YoY-1.8% QoQ
|
+22.4% | 18.3% | 12.2% | 7.8% | Top 9.6% in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)