BlastPoint's Credit Union Scorecard

K.U.M.C.

Charter #62702 · KS

<100M

2508 CUs in <100M nationally 43 in KS

K.U.M.C. has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.56% above tier average

Key Concerns

Areas that may need attention

- Member decline: -4.7% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	2,013 -4.7% YoY-2.6% QoQ	-663	2,676 +1.6% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	52%
Assets	$31.2M +7.4% YoY+4.7% QoQ	+$963K	$30.2M +1.3% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	60%
Loans	$10.2M -8.4% YoY-1.9% QoQ	$-5.1M	$15.3M -2.0% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	52%
Deposits	$26.8M +6.2% YoY+4.9% QoQ	+$1.1M	$25.8M +0.7% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	61%

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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	1.7% -24.8% YoY-15.7% QoQ	+1.6%	0.1% -77.6% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	Top 10.8% in tier
NIM	4.0% -5.6% YoY-5.1% QoQ	+0.0%	4.0% +4.0% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	65.3% +9.6% YoY+5.8% QoQ	-25.3%	90.6% +6.5% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	0.0% -75.4% YoY-58.4% QoQ	-1.5	1.5% +3.8% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	16%
Loan To Share	37.8% -13.8% YoY-6.5% QoQ	-20.7%	58.5% -3.0% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	19%
AMR	$18,381 +6.8% YoY+5.7% QoQ	+$3K	$14,884 -1.7% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	71%
CD Concentration	10.9% +31.2% YoY-3.9% QoQ	-13.4%	24.3%	24.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	12.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

271

Return on Assets (ROA)

profitability

Value: 1.70%

Peer Median: 0.61%

#271 of 2508 Top 10.8% in <100M tier

335

Asset Growth Rate

growth

Value: 7.38%

Peer Median: 1.30%

#335 of 2508 Top 13.3% in <100M tier

398

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: 0.65%

#398 of 2508 Top 15.8% in <100M tier

441

AMR Growth Rate

growth

Value: 6.79%

Peer Median: 1.27%

#441 of 2508 Top 17.5% in <100M tier

457

Efficiency Ratio

profitability

Value: 65.30%

Peer Median: 81.45%

#457 of 2508 Top 18.2% in <100M tier

463

Deposit Growth Rate

growth

Value: 6.20%

Peer Median: 0.66%

#463 of 2508 Top 18.4% in <100M tier

499

Fee Income Per Member

profitability

Value: $123.73

Peer Median: $60.42

#499 of 2508 Top 19.9% in <100M tier

Top Weaknesses (2 metrics)

2054

Member Growth Rate

growth

Value: -4.73%

Peer Median: -1.37%

#2054 of 2508 Bottom 18.1% in <100M tier

2021

Loan-to-Share Ratio

balance_sheet

Value: 37.84%

Peer Median: 58.72%

#2021 of 2508 Bottom 19.5% in <100M tier