BlastPoint's Credit Union Scorecard
KANSAS CITY
Charter #63388 · MO
KANSAS CITY has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Net Interest Margin 0.32% above tier average
- + Fee Income Per Member: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.70% above tier average
- - Member decline: -11.5% YoY
- - First Mortgage Concentration (%): Bottom 2.9% in tier
- - Member Growth Rate: Bottom 4.6% in tier
- - Net Worth Ratio: Bottom 6.2% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - Net Charge-Off Rate: Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,163
-11.5% YoY-0.8% QoQ
|
+2.5K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 13.1% in tier |
| Assets |
$46.3M
-5.3% YoY+0.3% QoQ
|
+$16.4M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$34.0M
-20.0% YoY-6.2% QoQ
|
+$18.2M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 14.8% in tier |
| Deposits |
$42.1M
-6.5% YoY+0.1% QoQ
|
+$16.6M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
77% |
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| ROA |
1.6%
-161.2% YoY-27.6% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
4.2%
+12.1% YoY+1.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
73.3%
-18.7% YoY+2.4% QoQ
|
-8.1% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
3.2%
-43.7% YoY-41.4% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Top 10.9% in tier |
| Loan To Share |
80.7%
-14.5% YoY-6.2% QoQ
|
+19.5% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$14,726
-1.7% YoY-2.0% QoQ
|
+$99 |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
11.4%
-13.5% YoY+15.0% QoQ
|
-13.0% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.1%
-27.5% YoY-13.3% QoQ
|
-10.9% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)