BlastPoint's Credit Union Scorecard
CENTRAL KANSAS EDUCATION
Charter #61765 · KS
CENTRAL KANSAS EDUCATION has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 4.0% in tier
- + Loan Growth Rate: Top 5.4% in tier
- + Loan-to-Share Ratio: Top 7.0% in tier
- + Net Charge-Off Rate: Top 7.2% in tier
- + Deposit Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.76% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Share Certificate Concentration (%): Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
792
-2.9% YoY+0.9% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$5.6M
+8.0% YoY+2.4% QoQ
|
$-24.3M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$4.5M
+15.8% YoY+8.2% QoQ
|
$-11.3M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$4.7M
+9.6% YoY+2.7% QoQ
|
$-20.7M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
0.7%
+104.9% YoY-9.5% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
3.3%
-2.8% YoY+0.5% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
82.2%
-9.7% YoY+2.2% QoQ
|
+0.8% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.3%
+24.1% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
95.1%
+5.7% YoY+5.3% QoQ
|
+33.9% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 7.2% in tier |
| AMR |
$11,633
+15.9% YoY+4.4% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
46.7%
-5.3% YoY-7.6% QoQ
|
+22.3% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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)