BlastPoint's Credit Union Scorecard

WHITE EAGLE

Charter #63189 · KS

100M-500M

1024 CUs in 100M-500M nationally 10 in KS

WHITE EAGLE has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.61% above tier average
+ Net Interest Margin 0.08% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.84% above tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kansas.
Shares and deposits +9.1% year over year ($168M in shares and deposits).
Membership: 16,277 members, +2.1% vs a year ago.
Delinquency rate 1.72%.
Return on assets 1.47%.
Efficiency ratio 65.30% vs a 76.73% peer average.
Loan-to-share ratio 63.87% vs a 71.54% 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	16,277 +2.1% YoY-0.1% QoQ	+1.1K	15,168 -2.6% YoY	21,725 -5.1% YoY	34,678 +6.6% YoY	64%
Assets	$198.5M +9.3% YoY+1.0% QoQ	$-33.5M	$232.0M +0.7% YoY	$314.3M -2.5% YoY	$593.1M +10.2% YoY	50%
Loans	$107.5M +6.0% YoY+3.4% QoQ	$-38.8M	$146.3M +0.2% YoY	$223.6M -4.3% YoY	$418.6M +10.1% YoY	40%
Deposits	$168.3M +9.1% YoY+0.6% QoQ	$-32.4M	$200.7M +0.2% YoY	$272.9M -1.4% YoY	$504.8M +10.3% YoY	49%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% -32.8% YoY-24.4% QoQ	+0.6%	0.9% +12.5% YoY	1.0% +59.0% YoY	1.2% +121.4% YoY	Top 13.6% in tier
NIM	3.8% -1.6% YoY+2.3% QoQ	+0.1%	3.7% +4.5% YoY	4.1% +6.5% YoY	3.8% +2.3% YoY	56%
Efficiency Ratio	65.3% +7.3% YoY+7.0% QoQ	-11.4%	76.7% -0.8% YoY	76.8% -1.7% YoY	83.0% -5.3% YoY	16%
Delinquency Rate	1.7% +185.8% YoY+47.0% QoQ	+0.8	0.9% +6.6% YoY	1.5% +11.1% YoY	1.3% +2.6% YoY	Bottom 10.5% in tier
Loan To Share	63.9% -2.8% YoY+2.8% QoQ	-7.7%	71.5% -0.3% YoY	71.5% -1.0% YoY	66.4% -1.4% YoY	32%
AMR	$16,947 +5.6% YoY+1.7% QoQ	$-8K	$25,107 +3.2% YoY	$16,832 +1.8% YoY	$20,028 -0.9% YoY	16%
CD Concentration	32.2% -0.4% YoY+0.2% QoQ	+7.6%	24.6%	24.4%	20.0%	50%
Indirect Auto %	14.0% -5.9% YoY-2.4% QoQ	+0.3%	13.6%	12.0%	7.7%	50%

Signature Analysis

Strengths (4)

Emerging Performer

growth

#77 of 175 • Top 50.0% 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: 1.47%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY

Organic Growth Engine

growth

#166 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.47%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 13.98%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#202 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 13.98%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#420 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.64%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#36 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 1.12% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Margin Compression

decline

#13 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.47%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.19%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.72% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#61 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.00%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 1.12% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (6 metrics)

126

Deposit Growth Rate

growth

Value: 9.06%

Peer Median: 3.58%

#126 of 1024 Top 12.2% in 100M-500M tier

132

Asset Growth Rate

growth

Value: 9.29%

Peer Median: 4.12%

#132 of 1024 Top 12.8% in 100M-500M tier

139

Return on Assets (ROA)

profitability

Value: 1.47%

Peer Median: 0.75%

#139 of 1024 Top 13.5% in 100M-500M tier

165

Efficiency Ratio

profitability

Value: 65.30%

Peer Median: 77.26%

#165 of 1024 Top 16.0% in 100M-500M tier

211

First Mortgage Concentration (%)

balance_sheet

Value: 15.22%

Peer Median: 29.92%

#211 of 1024 Top 20.5% in 100M-500M tier

245

Net Worth Ratio

risk

Value: 14.01%

Peer Median: 11.71%

#245 of 1024 Top 23.8% in 100M-500M tier

Top Weaknesses (4 metrics)

917

Total Delinquency Rate (60+ days)

risk

Value: 1.72%

Peer Median: 0.71%

#917 of 1024 Bottom 10.5% in 100M-500M tier

860

Average Member Relationship (AMR)

engagement

Value: $16,947

Peer Median: $23,006

#860 of 1024 Bottom 16.1% in 100M-500M tier

843

Loan-to-Member Ratio (LMR)

engagement

Value: $6,605

Peer Median: $9,434

#843 of 1024 Bottom 17.8% in 100M-500M tier

790

Share Certificate Concentration (%)

balance_sheet

Value: 32.16%

Peer Median: 23.39%

#790 of 1024 Bottom 22.9% in 100M-500M tier