BlastPoint's Credit Union Scorecard
K.C. AREA
Charter #64939 · MO
K.C. AREA has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.16% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Member decline: -4.5% YoY
- - Indirect Auto Concentration (%): Bottom 4.1% in tier
- - Net Charge-Off Rate: Bottom 5.5% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits -1.7% year over year ($9.4M in shares and deposits).
- Membership: 1,915 members, -4.5% vs a year ago.
- Delinquency rate 1.09%.
- Return on assets 0.22%.
- Efficiency ratio 83.38% vs a 88.77% peer average.
- Loan-to-share ratio 42.11% vs a 58.89% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,915
-4.5% YoY-1.1% QoQ
|
-670 |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$11.4M
-1.0% YoY-0.5% QoQ
|
$-18.9M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$4.0M
+6.8% YoY+6.9% QoQ
|
$-11.5M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$9.4M
-1.7% YoY-0.7% QoQ
|
$-16.4M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.2%
-67.4% YoY-46.8% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.7% in tier |
| NIM |
5.1%
+4.8% YoY+0.9% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Top 11.0% in tier |
| Efficiency Ratio |
83.4%
+0.1% YoY+1.6% QoQ
|
-5.4% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
1.1%
+38.8% YoY-0.7% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
42.1%
+8.7% YoY+7.6% QoQ
|
-16.8% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$6,969
+5.4% YoY+2.6% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.6% in tier |
| CD Concentration |
0.1%
+1.8% YoY+0.7% QoQ
|
-24.5% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
28.1%
+79.5% YoY+6.0% QoQ
|
+14.5% | 13.6% | 9.9% | 7.7% | 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)