BlastPoint's Credit Union Scorecard
WHITE EAGLE
Charter #63189 · KS
WHITE EAGLE has 10 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 8.3% in tier
- + Wallet Share Momentum: Top 14.4% in tier
- + Profitability Leader: Top 15.6% in tier
- + Organic Growth Leader: Top 18.7% in tier
- + Emerging Performer: Top 30.0% in tier
- + ROA 1.07% above tier average
- + Net Interest Margin 0.22% above tier average
- + Deposit Growth Rate: Top 1.8% in tier
- + Asset Growth Rate: Top 2.0% in tier
- + AMR Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.5% in tier
- - Credit Risk Growth: Bottom 14.6% in tier
- - Indirect Auto Dependency: Bottom 19.7% in tier
- - Delinquency rate 0.22% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,126
+2.1% YoY+1.1% QoQ
|
+497 |
15,628
-3.4% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$186.8M
+22.7% YoY+2.9% QoQ
|
$-44.5M |
$231.3M
-0.0% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$101.9M
+2.6% YoY+0.5% QoQ
|
$-45.9M |
$147.8M
-1.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$159.0M
+24.7% YoY+3.0% QoQ
|
$-41.3M |
$200.3M
-0.0% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
45% |
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| ROA |
1.9%
+13.7% YoY-14.9% QoQ
|
+1.1% |
0.8%
+15.5% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Top 4.5% in tier |
| NIM |
3.8%
-8.6% YoY-0.6% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
61.5%
-9.2% YoY+1.1% QoQ
|
-15.8% |
77.3%
-3.0% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
1.1%
+72.9% YoY+79.6% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
64.1%
-17.7% YoY-2.4% QoQ
|
-8.6% |
72.7%
-1.5% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$16,182
+12.6% YoY+0.9% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.4% in tier |
| CD Concentration |
32.8%
+40.5% YoY+1.6% QoQ
|
+8.4% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
15.2%
-2.1% YoY+2.1% QoQ
|
+1.2% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)