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BlastPoint's Credit Union Scorecard

CENTRAL KANSAS EDUCATION

Charter #61765 · KS

<100M
2508 CUs in <100M nationally 43 in KS

CENTRAL KANSAS EDUCATION has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.70% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + Deposit Growth Rate: Top 3.8% in tier
  • + Loan Growth Rate: Top 3.9% in tier
  • + AMR Growth Rate: Top 4.4% in tier
  • + Asset Growth Rate: Top 4.7% in tier
  • + Loan-to-Share Ratio: Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Share Certificate Concentration (%): Bottom 2.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 790
+0.5% YoY-0.8% QoQ
-1.9K 2,676
+1.6% YoY
12,306
-36.1% YoY
33,913
+5.7% YoY
22%
Assets $6.0M
+12.2% YoY+8.1% QoQ
$-24.2M $30.2M
+1.3% YoY
$170.3M
-37.4% YoY
$578.3M
+9.0% YoY
22%
Loans $4.6M
+18.9% YoY-1.7% QoQ
$-10.7M $15.3M
-2.0% YoY
$121.5M
-36.6% YoY
$402.4M
+8.7% YoY
32%
Deposits $5.2M
+13.8% YoY+9.0% QoQ
$-20.6M $25.8M
+0.7% YoY
$144.0M
-38.1% YoY
$494.3M
+9.1% YoY
23%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.8%
+8.6% YoY+152.3% QoQ
+0.7% 0.1%
-77.6% YoY
0.6%
+30.6% YoY
0.4%
-39.2% YoY
62%
NIM 3.2%
-5.4% YoY+2.4% QoQ
-0.8% 4.0%
+4.0% YoY
4.0%
+4.6% YoY
3.8%
+4.1% YoY
25%
Efficiency Ratio 78.2%
-3.7% YoY-12.4% QoQ
-12.4% 90.6%
+6.5% YoY
78.0%
-2.8% YoY
84.6%
+2.8% YoY
42%
Delinquency Rate 0.0%
-100.0% YoY-100.0% QoQ
-1.5 1.5%
+3.8% YoY
1.3%
+3.6% YoY
1.2%
+3.4% YoY
Top 0.1% in tier
Loan To Share 89.5%
+4.5% YoY-9.8% QoQ
+31.0% 58.5%
-3.0% YoY
69.9%
-0.4% YoY
65.6%
-1.4% YoY
Top 8.7% in tier
AMR $12,404
+15.6% YoY+4.5% QoQ
$-2K $14,884
-1.7% YoY
$16,649
+0.9% YoY
$19,920
+1.6% YoY
41%
CD Concentration 52.4%
+6.0% YoY+7.7% QoQ
+28.1% 24.3% 24.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 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)

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.65%
#1 of 2508 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
97
Deposit Growth Rate
growth
Value: 13.83%
Peer Median: 0.66%
#97 of 2508 Top 3.8% in <100M tier
100
Loan Growth Rate
growth
Value: 18.95%
Peer Median: -2.36%
#100 of 2508 Top 3.9% in <100M tier
111
AMR Growth Rate
growth
Value: 15.60%
Peer Median: 1.27%
#111 of 2508 Top 4.4% in <100M tier
118
Asset Growth Rate
growth
Value: 12.20%
Peer Median: 1.30%
#118 of 2508 Top 4.7% in <100M tier
215
Loan-to-Share Ratio
balance_sheet
Value: 89.53%
Peer Median: 58.72%
#215 of 2508 Top 8.5% in <100M tier

Top Weaknesses (5 metrics)

2436
Share Certificate Concentration (%)
balance_sheet
Value: 52.41%
Peer Median: 12.45%
#2436 of 2508 Bottom 2.9% in <100M tier
2124
Members Per Employee (MPE)
engagement
Value: 197.500
Peer Median: 333.750
#2124 of 2508 Bottom 15.4% in <100M tier
1945
Total Assets
balance_sheet
Value: $6.03M
Peer Median: $21.86M
#1945 of 2508 Bottom 22.5% in <100M tier
1943
Total Members
engagement
Value: 790
Peer Median: 1,918
#1943 of 2508 Bottom 22.6% in <100M tier
1920
Total Deposits
balance_sheet
Value: $5.17M
Peer Median: $18.77M
#1920 of 2508 Bottom 23.5% in <100M tier
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