BlastPoint's Credit Union Scorecard
MAZUMA
Charter #64084 · KS
MAZUMA has 3 strengths but faces 8 concerns
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How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 80.1% in tier
- + Emerging Performer: Top 81.6% in tier
- + Net Interest Margin 0.78% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 25.1% in tier
- - Liquidity Strain: Bottom 86.7% in tier
- - ROA 0.12% below tier average
- - Delinquency rate 0.94% above tier average
- - Total Deposits: Bottom 2.6% in tier
- - Total Assets: Bottom 4.0% in tier
- - Net Charge-Off Rate: Bottom 5.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,598
+3.3% YoY+2.6% QoQ
|
-21.8K |
97,431
-2.4% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$1.0B
+6.5% YoY+1.6% QoQ
|
$-674.6M |
$1.7B
+0.9% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.6% in tier |
| Loans |
$780.2M
+6.7% YoY+1.5% QoQ
|
$-454.2M |
$1.2B
+0.5% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.2% in tier |
| Deposits |
$860.5M
+6.3% YoY+2.3% QoQ
|
$-598.8M |
$1.5B
+0.9% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.3% in tier |
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| ROA |
0.6%
+109.8% YoY-12.4% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
4.1%
+6.4% YoY-0.8% QoQ
|
+0.8% |
3.3%
+9.2% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 9.3% in tier |
| Efficiency Ratio |
71.7%
-8.2% YoY-2.2% QoQ
|
-2.4% |
74.1%
-9.5% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.8%
-5.4% YoY+17.2% QoQ
|
+0.9 |
0.9%
+6.2% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 6.0% in tier |
| Loan To Share |
90.7%
+0.4% YoY-0.8% QoQ
|
+5.9% |
84.8%
-0.8% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$21,703
+3.0% YoY-0.7% QoQ
|
$-8K |
$29,428
+2.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.9% in tier |
| CD Concentration |
26.9%
-5.0% YoY-0.7% QoQ
|
-2.1% | 29.0% | 24.6% | 19.8% | 41% |
| Indirect Auto % |
38.5%
-4.7% YoY-3.2% QoQ
|
+20.2% | 18.3% | 12.2% | 7.8% | Top 12.5% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)