BlastPoint's Credit Union Scorecard
WHITE EAGLE
Charter #63189 · KS
WHITE EAGLE has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 32.7% in tier
- + Emerging Performer: Top 41.4% in tier
- + Wallet Share Momentum: Top 42.2% in tier
- + Organic Growth Leader: Top 63.8% in tier
- + ROA 0.84% above tier average
- + Net Interest Margin 0.18% above tier average
- + Asset Growth Rate: Top 4.1% in tier
- + Deposit Growth Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24.9% in tier
- - Credit Risk Growth: Bottom 33.6% in tier
- - Delinquency rate 0.17% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,204
+1.9% YoY+0.5% QoQ
|
+766 |
15,437
-2.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$186.4M
+14.2% YoY-0.3% QoQ
|
$-45.5M |
$231.9M
+1.3% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$103.6M
+4.5% YoY+1.6% QoQ
|
$-43.8M |
$147.3M
-0.1% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$158.8M
+14.6% YoY-0.1% QoQ
|
$-42.0M |
$200.8M
+0.8% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
45% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
+10.1% YoY-14.0% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Top 8.5% in tier |
| NIM |
3.8%
-5.5% YoY-0.4% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
63.6%
-5.3% YoY+3.4% QoQ
|
-13.4% |
77.0%
-3.1% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
1.1%
+57.9% YoY-1.9% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
65.2%
-8.8% YoY+1.7% QoQ
|
-7.0% |
72.2%
-1.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$16,194
+8.3% YoY+0.1% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.5% in tier |
| CD Concentration |
32.4%
+13.2% YoY-1.4% QoQ
|
+8.0% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % |
14.6%
-5.0% YoY-3.5% QoQ
|
+0.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
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.
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)