BlastPoint's Credit Union Scorecard

EMPOWER BLUE

Charter #60295 · KS

<100M

2508 CUs in <100M nationally 43 in KS

EMPOWER BLUE has 1 strength but faces 2 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 0.53% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.7% YoY
- Indirect Auto Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	3,427 -3.7% YoY-1.8% QoQ	+750	2,676 +1.6% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	73%
Assets	$56.0M +0.6% YoY+4.4% QoQ	+$25.8M	$30.2M +1.3% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	81%
Loans	$28.3M -6.6% YoY-1.8% QoQ	+$13.1M	$15.3M -2.0% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	81%
Deposits	$46.6M +0.9% YoY+5.0% QoQ	+$20.8M	$25.8M +0.7% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	80%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.7% +5.1% YoY+2.8% QoQ	+0.5%	0.1% -77.6% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	54%
NIM	3.2% +8.6% YoY+1.8% QoQ	-0.8%	4.0% +4.0% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	81.9% -4.6% YoY-1.1% QoQ	-8.7%	90.6% +6.5% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	0.2% -78.0% QoQ	-1.3	1.5% +3.8% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	28%
Loan To Share	60.8% -7.5% YoY-6.5% QoQ	+2.3%	58.5% -3.0% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	54%
AMR	$21,860 +1.7% YoY+4.2% QoQ	+$7K	$14,884 -1.7% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	84%
CD Concentration	29.6% +0.3% YoY-2.7% QoQ	+5.3%	24.3%	24.3%	19.8%	50%
Indirect Auto %	22.6% +5.9% YoY+0.9% QoQ	+8.8%	13.8%	12.2%	7.7%	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 2508 peers in tier

Top Strengths (5 metrics)

396

Loan-to-Member Ratio (LMR)

engagement

Value: $8,269

Peer Median: $4,923

#396 of 2508 Top 15.7% in <100M tier

401

Average Member Relationship (AMR)

engagement

Value: $21,860

Peer Median: $13,926

#401 of 2508 Top 15.9% in <100M tier

469

Total Loans

balance_sheet

Value: $28.34M

Peer Median: $9.48M

#469 of 2508 Top 18.7% in <100M tier

485

Total Assets

balance_sheet

Value: $56.03M

Peer Median: $21.86M

#485 of 2508 Top 19.3% in <100M tier

510

Total Deposits

balance_sheet

Value: $46.58M

Peer Median: $18.77M

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (4 metrics)

2387

Indirect Auto Concentration (%)

balance_sheet

Value: 22.62%

Peer Median: 0.00%

#2387 of 2508 Bottom 4.9% in <100M tier

2056

Share Certificate Concentration (%)

balance_sheet

Value: 29.61%

Peer Median: 12.45%

#2056 of 2508 Bottom 18.1% in <100M tier

1930

First Mortgage Concentration (%)

balance_sheet

Value: 27.49%

Peer Median: 3.66%

#1930 of 2508 Bottom 23.1% in <100M tier

1898

Net Interest Margin (NIM)

profitability

Value: 3.20%

Peer Median: 3.83%

#1898 of 2508 Bottom 24.4% in <100M tier