BlastPoint's Credit Union Scorecard

CREDIT UNION OF AMERICA

Charter #60062 · KS

Mid-Market 1B-3B

CU of America at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

CU of America is one of 101 credit unions in the 2026 VentureTech card set. We also found CU of America's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

CU of America

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CU OF AMERICA
PEER · AT VENTURETECH
PEER · AT VENTURETECH
CU OF AMERICA'S BIGGEST OPPORTUNITY

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

View Mid-Market leaderboard →

CREDIT UNION OF AMERICA has 2 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 0.41% 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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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	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)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#30 of 193 • Bottom 25.3% in tier

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

Why This Signature

Asset Growth (YoY): 8.27%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 40.53%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 4.44%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#48 of 168 • Bottom 15.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 100.05%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 9.28%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Credit Risk Growth

risk

#116 of 170 • Bottom 29.3% in tier

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

Why This Signature

Loan Growth (YoY): 9.28%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Credit Quality Pressure

risk

#190 of 215 • Bottom 51.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (7 metrics)

Fee Income Per Member

profitability

Value: $316.70

Peer Median: $204.73

#33 of 300 Top 10.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 100.05%

Peer Median: 87.07%

#42 of 300 Top 13.7% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.23%

Peer Median: 0.77%

#48 of 300 Top 15.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 9.14%

Peer Median: 4.79%

#63 of 300 Top 20.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.59%

Peer Median: 73.62%

#68 of 300 Top 22.3% in 1B-3B tier

Member Growth Rate

growth

Value: 4.44%

Peer Median: 1.84%

#69 of 300 Top 22.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.27%

Peer Median: 5.21%

#72 of 300 Top 23.7% in 1B-3B tier

Top Weaknesses (2 metrics)

286

Share Certificate Concentration (%)

balance_sheet

Value: 45.22%

Peer Median: 28.24%

#286 of 300 Bottom 5.0% in 1B-3B tier

273

Indirect Auto Concentration (%)

balance_sheet

Value: 40.53%

Peer Median: 14.26%

#273 of 300 Bottom 9.3% in 1B-3B tier