BlastPoint's Credit Union Scorecard
CENTRAL KANSAS EDUCATION
Charter #61765 · KS
CENTRAL KANSAS EDUCATION has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.0% in tier
- + Loan-to-Share Ratio: Top 4.4% in tier
- + AMR Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency ratio 6.75% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 4.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
796
+1.5% YoY+0.5% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$5.6M
+6.8% YoY+0.3% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$4.7M
+22.1% YoY+4.8% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$4.7M
+7.5% YoY+0.4% QoQ
|
$-20.9M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.3%
+43.3% YoY-54.0% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
3.1%
-4.1% YoY-4.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
89.3%
-2.8% YoY+8.7% QoQ
|
+6.7% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.5%
+820.0% YoY+81.9% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
99.3%
+13.6% YoY+4.4% QoQ
|
+38.7% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 4.5% in tier |
| AMR |
$11,873
+12.6% YoY+2.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
48.7%
-0.3% YoY+4.3% QoQ
|
+24.2% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)