BlastPoint's Credit Union Scorecard
AZURA
Charter #61823 · KS
AZURA has 2 strengths but faces 8 concerns
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How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.2% in tier
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 4.7% in tier
- - Indirect Auto Dependency: Bottom 60.3% in tier
- - Stagnation Risk: Bottom 92.1% in tier
- - Membership Headwinds: Bottom 92.1% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 2.15% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
- - Member decline: -5.6% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,571
-5.6% YoY-1.1% QoQ
|
+8.1K |
51,500
+0.7% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$851.9M
+2.9% YoY+2.6% QoQ
|
$-13.7M |
$865.6M
+0.9% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$578.6M
-2.7% YoY-0.4% QoQ
|
$-16.6M |
$595.3M
+1.6% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$747.5M
+4.6% YoY+3.7% QoQ
|
+$5.3M |
$742.2M
+0.6% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
56% |
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| ROA |
0.5%
+165.0% YoY+43.7% QoQ
|
-0.3% |
0.8%
+45.0% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
3.9%
-0.4% YoY-1.6% QoQ
|
+0.4% |
3.5%
+6.1% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
77.7%
-2.2% YoY+0.8% QoQ
|
+2.2% |
75.5%
-3.4% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.8%
-29.4% YoY+5.6% QoQ
|
+0.2 |
0.7%
-0.1% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
77.4%
-7.0% YoY-3.9% QoQ
|
-3.2% |
80.6%
+0.7% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$22,262
+7.2% YoY+3.0% QoQ
|
$-7K |
$28,908
+0.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
31.2%
+4.6% YoY-2.1% QoQ
|
+7.0% | 24.3% | 24.3% | 19.8% | 75% |
| Indirect Auto % |
42.0%
-11.7% YoY-1.1% QoQ
|
+28.2% | 13.8% | 12.2% | 7.7% | Bottom 7.2% 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)