BlastPoint's Credit Union Scorecard
CREDIT UNION OF AMERICA
Charter #60062 · KS
CREDIT UNION OF AMERICA has 5 strengths but faces 6 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
- + Organic Growth Engine: Top 16.7% in tier
- + Emerging Performer: Top 32.4% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.12% above tier average
- + Loan-to-Share Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.9% in tier
- - Indirect Auto Dependency: Bottom 6.3% in tier
- - Credit Quality Pressure: Bottom 22.5% in tier
- - Credit Risk Growth: Bottom 22.7% in tier
- - Share Certificate Concentration (%): Bottom 4.3% in tier
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
104,094
+4.8% YoY+1.5% QoQ
|
+5.4K |
98,678
-1.9% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$1.7B
+6.7% YoY+0.2% QoQ
|
$-6.3M |
$1.7B
+0.5% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$1.4B
+7.0% YoY+3.7% QoQ
|
+$214.5M |
$1.2B
+0.5% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$1.4B
+8.5% YoY-0.0% QoQ
|
$-57.2M |
$1.5B
+1.3% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
0.9%
+16.1% YoY+9.3% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
3.4%
+3.6% YoY+2.4% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
72.0%
-2.6% YoY-2.0% QoQ
|
-2.0% |
74.0%
-10.9% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.6%
+7.2% YoY+3.3% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
103.6%
-1.4% YoY+3.7% QoQ
|
+18.4% |
85.2%
-0.8% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 7.9% in tier |
| AMR |
$27,328
+2.8% YoY+0.3% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
45.8%
+2.3% YoY+0.7% QoQ
|
+16.9% |
29.0%
+0.7% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
Top 5.0% in tier |
| Indirect Auto % |
41.4%
+4.9% YoY+0.6% QoQ
|
+22.7% |
18.8%
-3.0% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
Top 10.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)