BlastPoint's Credit Union Scorecard

GOLDEN PLAINS

Charter #62542 · KS

Mid-Market 1B-3B

306 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 20.9% in tier
+ ROA 0.34% above tier average
+ Net Interest Margin 0.17% above tier average
+ Strong member growth: 5.6% YoY
+ First Mortgage Concentration (%): Top 0.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.6% in tier
- Liquidity Strain: Bottom 25.8% in tier
- Deposit Outflow: Bottom 91.8% in tier
- Indirect Auto Dependency: Bottom 95.0% in tier
- Shrinking Wallet Share: Bottom 97.6% in tier
- Delinquency rate 0.18% above tier average
- Indirect Auto Concentration (%): Bottom 0.3% in tier
- Total Assets: Bottom 0.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	91,095 +5.6% YoY+7.7% QoQ	-5.0K	96,048 -2.7% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	56%
Assets	$1.0B -2.1% YoY+2.6% QoQ	$-717.2M	$1.7B +0.4% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	Bottom 0.3% in tier
Loans	$811.5M -6.5% YoY-2.8% QoQ	$-402.2M	$1.2B +0.2% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	18%
Deposits	$866.7M -1.2% YoY+2.8% QoQ	$-598.9M	$1.5B +0.5% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	Bottom 3.3% 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	1.1% +41.5% YoY+1.2% QoQ	+0.3%	0.7% +27.6% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	81%
NIM	3.5% +5.6% YoY-3.0% QoQ	+0.2%	3.4% +6.2% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	63.9% +0.2% YoY+2.2% QoQ	-10.8%	74.6% -3.0% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	Top 12.4% in tier
Delinquency Rate	0.9% +93.9% YoY-18.5% QoQ	+0.2	0.8% +6.9% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	76%
Loan To Share	93.6% -5.4% YoY-5.5% QoQ	+10.5%	83.2% -0.4% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	77%
AMR	$18,422 -8.9% YoY-7.2% QoQ	$-11K	$29,652 +2.3% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	Bottom 3.3% in tier
CD Concentration	41.8% -3.0% YoY-3.2% QoQ	+13.0%	28.8%	24.3%	19.8%	Top 9.1% in tier
Indirect Auto %	71.1% -1.8% YoY-0.4% QoQ	+53.0%	18.1%	12.2%	7.7%	Bottom 0.3% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#13 of 79 • Top 20.9% 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: 1.06%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 5.61%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#10 of 82 • 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): -8.91%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Credit Quality Pressure

risk

#29 of 225 • Bottom 7.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.45% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#122 of 198 • Bottom 95.0% in tier

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

Why This Signature

Asset Growth (YoY): -2.15%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 71.05%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.61%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#133 of 148 • Bottom 25.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.63%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -6.46%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Deposit Outflow

decline

#23 of 23 • Bottom 91.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.16%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 5.61%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

23 of 384 Mid-Market CUs have this signature | 98 nationally

→ No prior data (23 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 3.67%

Peer Median: 33.05%

#2 of 306 Top 0.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.85%

Peer Median: 75.16%

#39 of 306 Top 12.4% in 1B-3B tier

Member Growth Rate

growth

Value: 5.61%

Peer Median: 2.03%

#54 of 306 Top 17.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.06%

Peer Median: 0.66%

#59 of 306 Top 19.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.02%

Peer Median: 10.85%

#60 of 306 Top 19.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 419.793

Peer Median: 345.077

#66 of 306 Top 21.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 93.63%

Peer Median: 85.31%

#70 of 306 Top 22.5% in 1B-3B tier

Top Weaknesses (13 metrics)

306

Indirect Auto Concentration (%)

balance_sheet

Value: 71.05%

Peer Median: 13.86%

#306 of 306 Bottom 0.3% in 1B-3B tier

305

Total Assets

balance_sheet

Value: $1.00B

Peer Median: $1.51B

#305 of 306 Bottom 0.7% in 1B-3B tier

298

AMR Growth Rate

growth

Value: -8.91%

Peer Median: 3.15%

#298 of 306 Bottom 2.9% in 1B-3B tier

296

Loan Growth Rate

growth

Value: -6.46%

Peer Median: 5.67%

#296 of 306 Bottom 3.6% in 1B-3B tier

296

Total Deposits

balance_sheet

Value: $866.67M

Peer Median: $1.31B

#296 of 306 Bottom 3.6% in 1B-3B tier

296

Average Member Relationship (AMR)

engagement

Value: $18,422

Peer Median: $28,178

#296 of 306 Bottom 3.6% in 1B-3B tier

288

Asset Growth Rate

growth

Value: -2.15%

Peer Median: 4.82%

#288 of 306 Bottom 6.2% in 1B-3B tier

284

Share Certificate Concentration (%)

balance_sheet

Value: 41.83%

Peer Median: 27.93%

#284 of 306 Bottom 7.5% in 1B-3B tier

282

Loan-to-Member Ratio (LMR)

engagement

Value: $8,908

Peer Median: $12,733

#282 of 306 Bottom 8.2% in 1B-3B tier

280

Deposit Growth Rate

growth

Value: -1.16%

Peer Median: 4.44%

#280 of 306 Bottom 8.8% in 1B-3B tier