BlastPoint's Credit Union Scorecard

EMPOWER BLUE

Charter #60295 · KS

2556 CUs in <100M nationally 44 in KS

EMPOWER BLUE has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.04% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 0.22% above tier (higher cost structure)
- Member decline: -3.0% YoY
- Indirect Auto Concentration (%): Bottom 5.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	3,489 -3.0% YoY0% QoQ	+873	2,615 -1.9% YoY	12,209 -35.0% YoY	33,374 +5.7% YoY	73%
Assets	$53.7M +0.4% YoY+0.8% QoQ	+$23.5M	$30.1M +2.1% YoY	$164.3M -37.3% YoY	$561.6M +9.7% YoY	79%
Loans	$28.8M -5.1% YoY-1.3% QoQ	+$13.1M	$15.8M -1.3% YoY	$120.8M -36.2% YoY	$397.0M +8.8% YoY	81%
Deposits	$44.3M +0.9% YoY+1.3% QoQ	+$18.7M	$25.7M +1.4% YoY	$139.5M -36.6% YoY	$477.3M +9.7% YoY	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -16.4% YoY-17.2% QoQ	+0.0%	0.6% +10.8% YoY	0.6% +32.6% YoY	0.7% +15.9% YoY	49%
NIM	3.1% +4.5% YoY+1.4% QoQ	-0.8%	4.0% +4.0% YoY	4.0% +7.1% YoY	3.8% +5.1% YoY	23%
Efficiency Ratio	82.8% +8.5% YoY+4.7% QoQ	+0.2%	82.6% -2.3% YoY	78.8% -6.8% YoY	79.7% -3.3% YoY	58%
Delinquency Rate	0.9% +549.3% YoY+18.1% QoQ	-0.7	1.6% -3.1% YoY	1.5% -6.0% YoY	1.3% -2.1% YoY	56%
Loan To Share	65.0% -5.9% YoY-2.6% QoQ	+4.4%	60.6% -3.1% YoY	71.6% -2.2% YoY	67.4% -1.7% YoY	56%
AMR	$20,976 +1.5% YoY+0.2% QoQ	+$6K	$14,783 -1.4% YoY	$16,403 +0.2% YoY	$19,687 +2.0% YoY	82%
CD Concentration	30.4% +2.0% YoY-1.4% QoQ	+6.0%	24.4%	24.6%	19.8%	50%
Indirect Auto %	22.4% +12.6% YoY+0.9% QoQ	+8.6%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (6 metrics)

420

Loan-to-Member Ratio (LMR)

engagement

Value: $8,267

Peer Median: -

#420 of 2556 Top 16.4% in <100M tier

449

Average Member Relationship (AMR)

engagement

Value: $20,976

Peer Median: -

#449 of 2556 Top 17.5% in <100M tier

484

Total Loans

balance_sheet

Value: $28.84M

Peer Median: -

#484 of 2556 Top 18.9% in <100M tier

532

Total Assets

balance_sheet

Value: $53.66M

Peer Median: -

#532 of 2556 Top 20.8% in <100M tier

557

Total Deposits

balance_sheet

Value: $44.34M

Peer Median: -

#557 of 2556 Top 21.8% in <100M tier

634

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: -

#634 of 2556 Top 24.8% in <100M tier

Top Weaknesses (4 metrics)

2427

Indirect Auto Concentration (%)

balance_sheet

Value: 22.43%

Peer Median: -

#2427 of 2556 Bottom 5.1% in <100M tier

2126

Share Certificate Concentration (%)

balance_sheet

Value: 30.43%

Peer Median: -

#2126 of 2556 Bottom 16.9% in <100M tier

1974

Net Interest Margin (NIM)

profitability

Value: 3.14%

Peer Median: -

#1974 of 2556 Bottom 22.8% in <100M tier

1965

First Mortgage Concentration (%)

balance_sheet

Value: 27.45%

Peer Median: -

#1965 of 2556 Bottom 23.2% in <100M tier