BlastPoint's Credit Union Scorecard
EMPOWER BLUE
Charter #60295 · KS
EMPOWER BLUE faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Member decline: -8.8% YoY
- - Indirect Auto Concentration (%): Bottom 4.9% in tier
- - Member Growth Rate: Bottom 7.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits +0.6% year over year ($45.6M in shares and deposits).
- Membership: 3,386 members, -8.8% vs a year ago.
- Delinquency rate 0.10%.
- Return on assets 0.68%.
- Efficiency ratio 82.68% vs a 88.77% peer average.
- Loan-to-share ratio 61.79% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,386
-8.8% YoY-1.2% QoQ
|
+800 |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$55.1M
+0.5% YoY-1.7% QoQ
|
+$24.8M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$28.2M
-6.6% YoY-0.5% QoQ
|
+$12.7M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$45.6M
+0.6% YoY-2.0% QoQ
|
+$19.8M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
0.7%
-15.8% YoY-0.5% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
3.2%
+5.4% YoY+1.2% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
82.7%
+3.6% YoY+1.0% QoQ
|
-6.1% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
0.1%
-88.0% YoY-47.4% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
61.8%
-7.1% YoY+1.6% QoQ
|
+2.9% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$21,801
+7.1% YoY-0.3% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
31.2%
+3.5% YoY+5.5% QoQ
|
+6.7% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % |
22.2%
+4.3% YoY-1.7% QoQ
|
+8.6% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)