BlastPoint's Credit Union Scorecard
AZURA
Charter #61823 · KS
AZURA has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 20.8% in tier
- + Net Interest Margin 0.47% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 4.7% in tier
- - Indirect Auto Dependency: Bottom 61.6% in tier
- - Stagnation Risk: Bottom 91.9% in tier
- - Membership Headwinds: Bottom 91.9% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 2.81% above tier (higher cost structure)
- - Member decline: -5.8% YoY
- - Indirect Auto Concentration (%): Bottom 9.0% in tier
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Kansas.
- Shares and deposits +4.2% year over year ($745M in shares and deposits).
- Membership: 59,412 members, -5.8% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 0.55%.
- Efficiency ratio 77.35% vs a 74.54% peer average.
- Loan-to-share ratio 76.89% vs a 82.60% 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 |
59,412
-5.8% YoY-0.3% QoQ
|
+6.9K |
52,482
+1.3% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$851.9M
+3.0% YoY-0.0% QoQ
|
$-12.1M |
$863.9M
+0.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$572.5M
-2.7% YoY-1.1% QoQ
|
$-35.2M |
$607.8M
+2.1% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$744.6M
+4.2% YoY-0.4% QoQ
|
+$4.7M |
$739.9M
+0.2% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.6%
+211.2% YoY+14.5% QoQ
|
-0.3% |
0.8%
+30.4% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
4.0%
+2.4% YoY+3.1% QoQ
|
+0.5% |
3.5%
+6.2% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
77.3%
-1.4% YoY-0.4% QoQ
|
+2.8% |
74.5%
-1.4% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.7%
-27.7% YoY-10.7% QoQ
|
+0.0 |
0.8%
+1.0% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
76.9%
-6.6% YoY-0.7% QoQ
|
-5.7% |
82.6%
+1.9% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$22,170
+7.2% YoY-0.4% QoQ
|
$-7K |
$28,702
+0.4% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
30.4%
-3.5% YoY-2.7% QoQ
|
+5.8% | 24.6% | 24.4% | 20.0% | 72% |
| Indirect Auto % |
40.9%
-13.4% YoY-2.7% QoQ
|
+27.2% | 13.6% | 12.0% | 7.7% | Bottom 7.9% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)