BlastPoint's Credit Union Scorecard
K.C. AREA
Charter #64939 · MO
K.C. AREA has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.96% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.20% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Indirect Auto Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,989
-4.6% YoY-0.8% QoQ
|
-636 |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$11.5M
+6.0% YoY+0.2% QoQ
|
$-18.3M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$3.6M
-15.2% YoY-3.4% QoQ
|
$-12.2M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$9.5M
+5.8% YoY-0.4% QoQ
|
$-15.9M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
36% |
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 |
0.8%
-2.8% YoY+14.5% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
4.9%
-0.1% YoY+1.5% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
82.6%
+1.3% YoY-0.8% QoQ
|
+1.2% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.0%
+143.3% YoY+31.9% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
37.6%
-19.8% YoY-3.0% QoQ
|
-23.6% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$6,583
+3.9% YoY-0.5% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.6% in tier |
| CD Concentration |
0.1%
-5.5% YoY+0.4% QoQ
|
-24.3% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
16.8%
-16.2% YoY+7.2% QoQ
|
+2.8% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)