BlastPoint's Credit Union Scorecard
CO-OPERATIVE
Charter #61783 · KS
CO-OPERATIVE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 3.93% above tier (higher cost structure)
- - Member decline: -5.6% YoY
- - Indirect Auto Concentration (%): Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,833
-5.6% YoY-0.4% QoQ
|
+207 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$21.5M
+0.1% YoY-3.5% QoQ
|
$-8.4M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$10.8M
-8.1% YoY-0.8% QoQ
|
$-5.0M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$18.7M
-0.0% YoY-4.1% QoQ
|
$-6.8M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
51% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+49.9% YoY-4.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
41% |
| NIM |
4.0%
+10.3% YoY+3.1% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
85.3%
-1.2% YoY+1.2% QoQ
|
+3.9% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.5%
-55.3% YoY+112.9% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
57.8%
-8.1% YoY+3.5% QoQ
|
-3.5% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$10,400
+2.7% YoY-2.6% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
17.3%
+1.7% YoY+5.8% QoQ
|
-7.1% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.2%
-39.9% YoY-11.8% QoQ
|
-0.8% |
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)