BlastPoint's Credit Union Scorecard
GOLDEN PLAINS
Charter #62542 · KS
GOLDEN PLAINS has 7 strengths but faces 12 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.24% above tier average
- + Total Loans: Top 0.9% in tier
- + First Mortgage Concentration (%): Top 0.9% in tier
- + Total Members: Top 3.4% in tier
- + Total Assets: Top 5.1% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 10.5% in tier
- - Stagnation Risk: Bottom 12.3% in tier
- - Credit Quality Pressure: Bottom 16.6% in tier
- - Indirect Auto Dependency: Bottom 26.1% in tier
- - Membership Headwinds: Bottom 34.9% in tier
- - Liquidity Strain: Bottom 54.6% in tier
- - Delinquency rate 0.27% above tier average
- - Member decline: -3.9% YoY
- - Indirect Auto Concentration (%): Bottom 1.7% in tier
- - Share Certificate Concentration (%): Bottom 5.1% in tier
- - Loan Growth Rate: Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
84,566
-3.9% YoY-2.4% QoQ
|
+32.5K |
52,084
-1.6% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Top 4.3% in tier |
| Assets |
$977.2M
-1.5% YoY-0.2% QoQ
|
+$113.4M |
$863.9M
+0.5% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Top 6.0% in tier |
| Loans |
$835.1M
-5.8% YoY-2.6% QoQ
|
+$229.3M |
$605.8M
+1.4% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Top 1.7% in tier |
| Deposits |
$842.9M
+0.7% YoY-0.2% QoQ
|
+$105.6M |
$737.3M
+0.1% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Top 11.1% in tier |
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| ROA |
1.0%
+34.1% YoY+0.6% QoQ
|
+0.3% |
0.7%
+39.1% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
3.6%
+15.6% YoY+0.6% QoQ
|
+0.2% |
3.4%
+8.7% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
62.5%
-3.2% YoY+1.7% QoQ
|
-11.8% |
74.3%
-3.6% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
15% |
| Delinquency Rate |
1.2%
+79.6% YoY+53.3% QoQ
|
+0.3 |
0.9%
+3.8% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
99.1%
-6.4% YoY-2.5% QoQ
|
+16.5% |
82.6%
+1.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 8.5% in tier |
| AMR |
$19,843
+1.3% YoY+1.0% QoQ
|
$-9K |
$28,873
+2.7% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.0% in tier |
| CD Concentration |
43.2%
-1.2% YoY-1.8% QoQ
|
+18.8% | 24.4% | 24.6% | 19.8% | Top 4.2% in tier |
| Indirect Auto % |
71.4%
-1.3% YoY-0.8% QoQ
|
+57.6% | 13.8% | 12.2% | 7.8% | Top 0.9% in tier |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)