BlastPoint's Credit Union Scorecard
B&V
Charter #63598 · KS
B&V has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.5% in tier
- + Net Charge-Off Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 8.90% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Deposit Growth Rate: Bottom 2.4% in tier
- - Asset Growth Rate: Bottom 2.5% in tier
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,532
-4.3% YoY-0.6% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$42.0M
-13.3% YoY-4.8% QoQ
|
+$12.2M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$15.2M
-14.1% YoY-3.4% QoQ
|
$-560K |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$34.0M
-16.0% YoY-6.3% QoQ
|
+$8.6M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
69% |
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| ROA |
0.6%
-189.1% YoY+2606.3% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
1.9%
+69.1% YoY+8.5% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
90.3%
-33.9% YoY-4.4% QoQ
|
+8.9% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
77% |
| Delinquency Rate |
1.0%
-22.7% YoY-39.9% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
44.7%
+2.3% YoY+3.1% QoQ
|
-16.6% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$10,867
-11.7% YoY-4.9% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
17.9%
-29.1% YoY+0.2% QoQ
|
-6.5% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% 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)