BlastPoint's Credit Union Scorecard
B&V
Charter #63598 · KS
B&V has 4 strengths but faces 8 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 0.3% in tier
- + Net Charge-Off Rate: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Efficiency ratio 4.52% above tier (higher cost structure)
- - Member decline: -5.4% YoY
- - Net Interest Margin (NIM): Bottom 3.8% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 4.3% in tier
- - AMR Growth Rate: Bottom 7.0% in tier
- - Loan Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,464
-5.4% YoY-1.5% QoQ
|
+1.8K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$41.9M
-10.2% YoY-0.3% QoQ
|
+$11.8M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$14.5M
-17.1% YoY-4.6% QoQ
|
$-1.3M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$33.9M
-13.0% YoY-0.4% QoQ
|
+$8.2M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
69% |
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 |
0.6%
-195.1% YoY-1.8% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
2.0%
+61.5% YoY+6.1% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
87.1%
-34.2% YoY-3.6% QoQ
|
+4.5% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.9%
+15.9% YoY-1.8% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
42.8%
-4.7% YoY-4.2% QoQ
|
-17.8% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$10,846
-9.3% YoY-0.2% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
18.6%
-12.2% YoY+3.7% QoQ
|
-5.9% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 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)