BlastPoint's Credit Union Scorecard
MAZUMA
Charter #64084 · KS
MAZUMA has 3 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 30.1% in tier
- + ROA 0.21% above tier average
- + Net Interest Margin 0.64% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 44.0% in tier
- - Indirect Auto Dependency: Bottom 52.4% in tier
- - Delinquency rate 0.52% above tier average
- - Total Deposits: Bottom 6.0% in tier
- - Total Assets: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Kansas.
- Shares and deposits +4.0% year over year ($884M in shares and deposits).
- Membership: 75,452 members, +2.1% vs a year ago.
- Delinquency rate 1.38%.
- Return on assets 1.03%.
- Efficiency ratio 71.15% vs a 73.02% peer average.
- Loan-to-share ratio 90.17% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,452
+2.1% YoY-0.0% QoQ
|
-21.4K |
96,861
-1.9% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$1.1B
+5.2% YoY+0.9% QoQ
|
$-654.0M |
$1.7B
+0.4% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.3% in tier |
| Loans |
$797.0M
+3.9% YoY+1.9% QoQ
|
$-437.2M |
$1.2B
+0.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.7% in tier |
| Deposits |
$883.9M
+4.0% YoY+1.3% QoQ
|
$-579.4M |
$1.5B
+0.5% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.7% in tier |
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| ROA |
1.0%
+147.7% YoY+58.8% QoQ
|
+0.2% |
0.8%
+27.6% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
4.1%
+2.6% YoY+6.3% QoQ
|
+0.6% |
3.4%
+6.6% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Top 11.3% in tier |
| Efficiency Ratio |
71.2%
-6.4% YoY-7.3% QoQ
|
-1.9% |
73.0%
-2.7% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
1.4%
-21.2% YoY+0.8% QoQ
|
+0.5 |
0.9%
+7.3% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 15.0% in tier |
| Loan To Share |
90.2%
-0.1% YoY+0.6% QoQ
|
+5.5% |
84.7%
+0.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$22,279
+1.9% YoY+1.6% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
26.4%
-3.9% YoY+0.5% QoQ
|
-2.7% | 29.1% | 24.4% | 20.0% | 40% |
| Indirect Auto % |
38.2%
-4.8% YoY-0.8% QoQ
|
+20.2% | 18.1% | 12.0% | 7.7% | Bottom 12.0% 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 (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)