BlastPoint's Credit Union Scorecard
MAZUMA
Charter #64084 · KS
MAZUMA has 2 strengths but faces 7 concerns
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How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 53.3% in tier
- + Net Interest Margin 0.46% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 72.4% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 2.15% above tier (higher cost structure)
- - Delinquency rate 0.61% above tier average
- - Total Deposits: Bottom 4.6% in tier
- - Total Assets: Bottom 6.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,471
+3.1% YoY-0.2% QoQ
|
-20.6K |
96,048
-2.7% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$1.1B
+2.7% YoY+1.1% QoQ
|
$-659.3M |
$1.7B
+0.4% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.2% in tier |
| Loans |
$782.0M
+8.9% YoY+0.2% QoQ
|
$-431.8M |
$1.2B
+0.2% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.4% in tier |
| Deposits |
$872.5M
+2.9% YoY+1.4% QoQ
|
$-593.1M |
$1.5B
+0.5% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.2% in tier |
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| ROA |
0.6%
+14.9% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
3.8%
+6.8% YoY-5.9% QoQ
|
+0.5% |
3.4%
+6.2% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
76.8%
-7.2% YoY+7.2% QoQ
|
+2.2% |
74.6%
-3.0% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
1.4%
-25.3% YoY-25.4% QoQ
|
+0.6 |
0.8%
+6.9% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.8% in tier |
| Loan To Share |
89.6%
+5.9% YoY-1.2% QoQ
|
+6.4% |
83.2%
-0.4% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
63% |
| AMR |
$21,922
+2.5% YoY+1.0% QoQ
|
$-8K |
$29,652
+2.3% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.1% in tier |
| CD Concentration |
26.2%
-6.1% YoY-2.5% QoQ
|
-2.6% | 28.8% | 24.3% | 19.8% | 40% |
| Indirect Auto % |
38.6%
-3.8% YoY+0.2% QoQ
|
+20.5% | 18.1% | 12.2% | 7.7% | Bottom 11.7% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)