BlastPoint's Credit Union Scorecard
KANSAS CITY
Charter #63388 · MO
KANSAS CITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Net Interest Margin 0.29% above tier average
- + Fee Income Per Member: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.81% above tier average
- - Member decline: -4.0% YoY
- - First Mortgage Concentration (%): Bottom 3.0% in tier
- - Net Worth Ratio: Bottom 6.3% in tier
- - Net Charge-Off Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,086
-4.0% YoY-1.5% QoQ
|
+2.5K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 13.1% in tier |
| Assets |
$46.6M
+1.7% YoY+0.7% QoQ
|
+$16.4M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$33.3M
-13.9% YoY-1.9% QoQ
|
+$17.6M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 15.0% in tier |
| Deposits |
$42.4M
+0.8% YoY+0.7% QoQ
|
+$16.7M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
1.3%
-158.6% YoY-18.8% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
4.2%
+4.7% YoY-0.2% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
74.4%
-18.2% YoY+1.4% QoQ
|
-8.2% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
3.4%
+116.9% YoY+4.8% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Top 11.2% in tier |
| Loan To Share |
78.6%
-14.6% YoY-2.6% QoQ
|
+18.0% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$14,884
-2.4% YoY+1.1% QoQ
|
+$102 |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
13.9%
+4.8% YoY+22.0% QoQ
|
-10.5% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
2.7%
-41.0% YoY-13.9% QoQ
|
-11.1% | 13.8% | 10.0% | 7.8% | 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)