BlastPoint's Credit Union Scorecard
CREDIT UNION OF EMPORIA
Charter #63319 · KS
CREDIT UNION OF EMPORIA has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Efficiency Ratio: Top 6.2% in tier
- + AMR Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.6% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,851
-3.6% YoY-0.1% QoQ
|
+1.2K |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$41.5M
+7.8% YoY+7.2% QoQ
|
+$11.3M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$12.1M
+2.5% YoY-1.8% QoQ
|
$-3.2M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$34.9M
+7.9% YoY+8.2% QoQ
|
+$9.2M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
1.3%
+3.4% YoY-8.0% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
3.3%
+9.7% YoY+1.4% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
53.1%
-15.0% YoY-9.4% QoQ
|
-37.6% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
Top 6.2% in tier |
| Delinquency Rate |
0.3%
-74.9% YoY-77.2% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
34.7%
-5.0% YoY-9.2% QoQ
|
-23.8% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$12,223
+10.4% YoY+5.5% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
19.0%
+4.6% YoY+0.1% QoQ
|
-5.3% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)