BlastPoint's Credit Union Scorecard

EMPOWER BLUE

Charter #60295 · KS

2596 CUs in <100M nationally 45 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 0.12% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.8% YoY
- Indirect Auto Concentration (%): Bottom 5.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	3,489 -2.8% YoY-6.0% QoQ	+863	2,625 -2.2% YoY	17,915 -2.9% YoY	33,089 +6.1% YoY	73%
Assets	$53.2M +1.1% YoY-2.8% QoQ	+$23.4M	$29.9M +1.1% YoY	$244.1M -6.9% YoY	$547.7M +7.8% YoY	79%
Loans	$29.2M -3.3% YoY-3.2% QoQ	+$13.5M	$15.8M -2.4% YoY	$175.9M -4.8% YoY	$388.7M +8.6% YoY	81%
Deposits	$43.8M +1.1% YoY-3.5% QoQ	+$18.3M	$25.5M +0.4% YoY	$209.0M -2.4% YoY	$464.6M +9.3% 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	0.8% -3.3% YoY-0.5% QoQ	+0.1%	0.7% -731.4% YoY	0.7% +53.0% YoY	0.7% +273.4% YoY	52%
NIM	3.1% +1.4% YoY+0.9% QoQ	-0.8%	3.9% +3.8% YoY	4.0% +8.4% YoY	3.7% +5.0% YoY	21%
Efficiency Ratio	79.1% +3.8% YoY-1.0% QoQ	-2.3%	81.4% -2.4% YoY	77.0% -6.2% YoY	79.1% -3.3% YoY	52%
Delinquency Rate	0.8% +296.7% YoY-12.6% QoQ	-0.8	1.5% -2.0% YoY	1.2% -23.8% YoY	1.2% -0.9% YoY	54%
Loan To Share	66.8% -4.4% YoY+0.3% QoQ	+5.5%	61.2% -3.0% YoY	71.9% -2.0% YoY	68.0% -1.7% YoY	58%
AMR	$20,925 +2.2% YoY+2.8% QoQ	+$6K	$14,627 -2.7% YoY	$16,347 +1.3% YoY	$19,418 +1.3% YoY	83%
CD Concentration	30.9% +6.5% YoY+2.2% QoQ	+6.5%	24.4% +4.2% YoY	24.2% -2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	22.2% +14.7% YoY+4.2% QoQ	+8.3%	14.0% -5.7% YoY	12.4% -5.6% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (5 metrics)

414

Loan-to-Member Ratio (LMR)

engagement

Value: $8,376

Peer Avg: -

#414 of 2596 Top 15.9% in <100M tier

448

Average Member Relationship (AMR)

engagement

Value: $20,925

Peer Avg: -

#448 of 2596 Top 17.2% in <100M tier

485

Total Loans

balance_sheet

Value: $29.23M

Peer Avg: -

#485 of 2596 Top 18.6% in <100M tier

541

Total Assets

balance_sheet

Value: $53.25M

Peer Avg: -

#541 of 2596 Top 20.8% in <100M tier

575

Total Deposits

balance_sheet

Value: $43.78M

Peer Avg: -

#575 of 2596 Top 22.1% in <100M tier

Top Weaknesses (4 metrics)

2458

Indirect Auto Concentration (%)

balance_sheet

Value: 22.23%

Peer Avg: -

#2458 of 2596 Bottom 5.4% in <100M tier

2184

Share Certificate Concentration (%)

balance_sheet

Value: 30.86%

Peer Avg: -

#2184 of 2596 Bottom 15.9% in <100M tier

2052

Net Interest Margin (NIM)

profitability

Value: 3.10%

Peer Avg: -

#2052 of 2596 Bottom 21.0% in <100M tier

2014

First Mortgage Concentration (%)

balance_sheet

Value: 27.62%

Peer Avg: -

#2014 of 2596 Bottom 22.5% in <100M tier