BlastPoint's Credit Union Scorecard

K.C. AREA

Charter #64939 · MO

<100M

2508 CUs in <100M nationally 59 in MO

K.C. AREA has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.26% above tier average
+ Net Interest Margin 1.00% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.9% YoY
- Indirect Auto Concentration (%): Bottom 4.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	1,937 -3.9% YoY-1.3% QoQ	-739	2,676 +1.6% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	50%
Assets	$11.5M -0.7% YoY+2.6% QoQ	$-18.7M	$30.2M +1.3% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	35%
Loans	$3.7M -4.3% YoY+0.4% QoQ	$-11.6M	$15.3M -2.0% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	28%
Deposits	$9.5M -1.1% YoY+3.3% QoQ	$-16.3M	$25.8M +0.7% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	35%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -36.2% YoY-47.7% QoQ	+0.3%	0.1% -77.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	40%
NIM	5.0% +5.5% YoY+0.7% QoQ	+1.0%	4.0% +4.0% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	Top 11.6% in tier
Efficiency Ratio	82.1% -5.4% YoY-0.3% QoQ	-8.5%	90.6% +6.5% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	1.1% +286.1% YoY+0.6% QoQ	-0.4	1.5% +3.8% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	66%
Loan To Share	39.1% -3.2% YoY-2.8% QoQ	-19.4%	58.5% -3.0% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	21%
AMR	$6,791 +1.9% YoY+3.8% QoQ	$-8K	$14,884 -1.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	Bottom 14.3% in tier
CD Concentration	0.1% +1.2% YoY-3.2% QoQ	-24.2%	24.3%	18.1%	19.8%	50%
Indirect Auto %	26.5% +54.5% YoY+21.2% QoQ	+12.7%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

290

Net Interest Margin (NIM)

profitability

Value: 5.01%

Peer Median: 3.83%

#290 of 2508 Top 11.5% in <100M tier

410

Members Per Employee (MPE)

engagement

Value: 484.250

Peer Median: 333.750

#410 of 2508 Top 16.3% in <100M tier

559

Share Certificate Concentration (%)

balance_sheet

Value: 0.07%

Peer Median: 12.45%

#559 of 2508 Top 22.2% in <100M tier

Top Weaknesses (5 metrics)

2397

Indirect Auto Concentration (%)

balance_sheet

Value: 26.49%

Peer Median: 0.00%

#2397 of 2508 Bottom 4.5% in <100M tier

2196

Loan-to-Member Ratio (LMR)

engagement

Value: $1,910

Peer Median: $4,923

#2196 of 2508 Bottom 12.5% in <100M tier

2149

Average Member Relationship (AMR)

engagement

Value: $6,791

Peer Median: $13,926

#2149 of 2508 Bottom 14.4% in <100M tier

1983

Loan-to-Share Ratio

balance_sheet

Value: 39.12%

Peer Median: 58.72%

#1983 of 2508 Bottom 21.0% in <100M tier

1920

Member Growth Rate

growth

Value: -3.92%

Peer Median: -1.37%

#1920 of 2508 Bottom 23.5% in <100M tier