BlastPoint's Credit Union Scorecard
CO-OPERATIVE
Charter #61783 · KS
CO-OPERATIVE has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Member decline: -2.3% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -6.0% year over year ($18.3M in shares and deposits).
- Membership: 2,779 members, -2.3% vs a year ago.
- Delinquency rate 1.31%.
- Return on assets 1.18%.
- Efficiency ratio 76.93% vs a 88.77% peer average.
- Loan-to-share ratio 56.20% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,779
-2.3% YoY-0.5% QoQ
|
+193 |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$21.2M
-4.8% YoY-1.0% QoQ
|
$-9.1M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$10.3M
-5.4% YoY+0.1% QoQ
|
$-5.2M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$18.3M
-6.0% YoY-0.9% QoQ
|
$-7.5M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
50% |
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| ROA |
1.2%
+92.1% YoY+43.1% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
4.7%
+20.0% YoY+8.2% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
76.9%
-8.8% YoY-5.4% QoQ
|
-11.8% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
1.3%
+408.5% YoY+64.3% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
56.2%
+0.7% YoY+1.1% QoQ
|
-2.7% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$10,289
-3.6% YoY-0.0% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
13.9%
-14.8% YoY-1.5% QoQ
|
-10.6% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % |
1.7%
-88.3% YoY-32.8% QoQ
|
-11.9% | 13.6% | 12.0% | 7.7% | 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)