BlastPoint's Credit Union Scorecard
CO-OPERATIVE
Charter #61783 · KS
CO-OPERATIVE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 6.56% above tier (higher cost structure)
- - Member decline: -5.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,821
-5.5% YoY-0.4% QoQ
|
+205 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$21.4M
-0.8% YoY-0.4% QoQ
|
$-8.7M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$10.5M
-8.7% YoY-2.9% QoQ
|
$-5.3M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$18.5M
-1.8% YoY-0.8% QoQ
|
$-7.2M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
0.4%
+28.4% YoY-28.8% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
4.1%
+10.8% YoY+2.9% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
89.1%
+0.5% YoY+4.4% QoQ
|
+6.6% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.3%
-80.7% YoY-41.9% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
56.5%
-7.1% YoY-2.1% QoQ
|
-4.1% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$10,282
+1.1% YoY-1.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
16.6%
-3.5% YoY-4.2% QoQ
|
-7.9% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % |
8.0%
+238.2% YoY-39.0% QoQ
|
-5.8% | 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)