BlastPoint's Credit Union Scorecard
AZURA
Charter #61823 · KS
AZURA has 1 strength but faces 5 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
- + Net Interest Margin 0.52% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.3% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 4.22% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 5.4% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
63,020
+0.1% YoY-0.1% QoQ
|
+10.9K |
52,114
-2.1% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$824.4M
-0.7% YoY-0.4% QoQ
|
$-34.6M |
$859.0M
+0.0% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
37% |
| Loans |
$585.4M
-2.9% YoY-0.5% QoQ
|
$-17.9M |
$603.4M
+1.0% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$711.6M
+2.0% YoY-0.5% QoQ
|
$-22.6M |
$734.2M
+0.9% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
0.2%
-42.3% YoY+22.7% QoQ
|
-0.5% |
0.7%
+27.6% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
3.9%
+5.4% YoY+0.3% QoQ
|
+0.5% |
3.4%
+9.6% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
78.7%
+5.0% YoY+0.4% QoQ
|
+4.2% |
74.5%
-3.2% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.6%
-35.2% YoY-43.9% QoQ
|
-0.2 |
0.8%
+5.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
82.3%
-4.7% YoY-0.1% QoQ
|
-0.4% |
82.7%
+0.1% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$20,581
-0.3% YoY-0.4% QoQ
|
$-8K |
$28,651
+2.5% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
32.5%
-3.2% YoY+3.1% QoQ
|
+8.1% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
78% |
| Indirect Auto % |
46.3%
-5.3% YoY-2.0% QoQ
|
+32.3% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
Top 4.9% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)