BlastPoint's Credit Union Scorecard

GOLDEN PLAINS

Charter #62542 · KS

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 3 in KS

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GOLDEN PLAINS has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 41.6% in tier
+ ROA 0.06% above tier average
+ Net Interest Margin 0.12% above tier average
+ Strong member growth: 5.1% YoY
+ First Mortgage Concentration (%): Top 0.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.9% in tier
- Liquidity Strain: Bottom 35.7% in tier
- Indirect Auto Dependency: Bottom 75.3% in tier
- Shrinking Wallet Share: Bottom 97.6% in tier
- Delinquency rate 0.20% above tier average
- Total Assets: Bottom 0.3% in tier
- Indirect Auto Concentration (%): Bottom 0.3% in tier
- Loan Growth Rate: Bottom 2.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Kansas.
Shares and deposits +1.8% year over year ($864M in shares and deposits).
Membership: 90,773 members, +5.1% vs a year ago.
Delinquency rate 1.06%.
Return on assets 0.88%.
Efficiency ratio 63.47% vs a 73.02% peer average.
Loan-to-share ratio 92.93% vs a 84.71% 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	90,773 +5.1% YoY-0.4% QoQ	-6.1K	96,861 -1.9% YoY	21,725 -5.1% YoY	34,678 +6.6% YoY	54%
Assets	$1.0B +2.4% YoY-0.1% QoQ	$-723.0M	$1.7B +0.4% YoY	$314.3M -2.5% YoY	$593.1M +10.2% YoY	Bottom 0.1% in tier
Loans	$802.5M -7.6% YoY-1.1% QoQ	$-431.7M	$1.2B +0.7% YoY	$223.6M -4.3% YoY	$418.6M +10.1% YoY	16%
Deposits	$863.6M +1.8% YoY-0.4% QoQ	$-599.8M	$1.5B +0.5% YoY	$272.9M -1.4% YoY	$504.8M +10.3% YoY	Bottom 4.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -4.5% YoY-17.0% QoQ	+0.1%	0.8% +27.6% YoY	1.0% +59.0% YoY	1.2% +121.4% YoY	61%
NIM	3.5% +2.6% YoY+0.6% QoQ	+0.1%	3.4% +6.6% YoY	4.1% +6.5% YoY	3.8% +2.3% YoY	57%
Efficiency Ratio	63.5% +1.9% YoY-0.6% QoQ	-9.5%	73.0% -2.7% YoY	76.8% -1.7% YoY	83.0% -5.3% YoY	Top 14.3% in tier
Delinquency Rate	1.1% +81.9% YoY+12.8% QoQ	+0.2	0.9% +7.3% YoY	1.5% +11.1% YoY	1.3% +2.6% YoY	75%
Loan To Share	92.9% -9.3% YoY-0.7% QoQ	+8.2%	84.7% +0.1% YoY	71.5% -1.0% YoY	66.4% -1.4% YoY	69%
AMR	$18,355 -7.7% YoY-0.4% QoQ	$-11K	$29,575 +1.5% YoY	$16,832 +1.8% YoY	$20,028 -0.9% YoY	Bottom 3.0% in tier
CD Concentration	42.4% -2.6% YoY+1.4% QoQ	+13.3%	29.1%	24.4%	20.0%	Top 8.3% in tier
Indirect Auto %	70.3% -2.9% YoY-1.1% QoQ	+52.2%	18.1%	12.0%	7.7%	Bottom 0.3% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#29 of 82 • Top 41.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.88%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 5.12%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#22 of 215 • Bottom 5.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.48% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#10 of 69 • Bottom 97.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -7.67%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#86 of 193 • Bottom 75.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.37%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 70.25%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 5.12%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#162 of 168 • Bottom 35.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.93%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -7.62%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 3.82%

Peer Median: 33.59%

#2 of 300 Top 0.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.47%

Peer Median: 73.62%

#44 of 300 Top 14.3% in 1B-3B tier

Member Growth Rate

growth

Value: 5.12%

Peer Median: 1.84%

#57 of 300 Top 18.7% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.21%

Peer Median: 10.91%

#63 of 300 Top 20.7% in 1B-3B tier

Top Weaknesses (12 metrics)

300

Total Assets

balance_sheet

Value: $1.00B

Peer Median: $1.51B

#300 of 300 Bottom 0.3% in 1B-3B tier

300

Indirect Auto Concentration (%)

balance_sheet

Value: 70.25%

Peer Median: 14.26%

#300 of 300 Bottom 0.3% in 1B-3B tier

294

Loan Growth Rate

growth

Value: -7.62%

Peer Median: 5.71%

#294 of 300 Bottom 2.3% in 1B-3B tier

293

AMR Growth Rate

growth

Value: -7.67%

Peer Median: 3.19%

#293 of 300 Bottom 2.7% in 1B-3B tier

291

Average Member Relationship (AMR)

engagement

Value: $18,355

Peer Median: $28,089

#291 of 300 Bottom 3.3% in 1B-3B tier

288

Total Deposits

balance_sheet

Value: $863.57M

Peer Median: $1.30B

#288 of 300 Bottom 4.3% in 1B-3B tier

281

Share Certificate Concentration (%)

balance_sheet

Value: 42.43%

Peer Median: 28.24%

#281 of 300 Bottom 6.7% in 1B-3B tier

277

Loan-to-Member Ratio (LMR)

engagement

Value: $8,841

Peer Median: $12,809

#277 of 300 Bottom 8.0% in 1B-3B tier

275

Fee Income Per Member

profitability

Value: $124.22

Peer Median: $204.73

#275 of 300 Bottom 8.7% in 1B-3B tier

252

Total Loans

balance_sheet

Value: $802.54M

Peer Median: $1.14B

#252 of 300 Bottom 16.3% in 1B-3B tier