BlastPoint's Credit Union Scorecard

K.C. AREA

Charter #64939 · MO

2556 CUs in <100M nationally 60 in MO

K.C. AREA has 3 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 0.16% above tier average
+ Net Interest Margin 1.02% above tier average
+ First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.7% YoY
- Indirect Auto Concentration (%): Bottom 5.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	1,963 -3.7% YoY-1.3% QoQ	-652	2,615 -1.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	50%
Assets	$11.2M +4.3% YoY-3.2% QoQ	$-19.0M	$30.1M +2.1% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	34%
Loans	$3.7M -8.9% YoY+3.0% QoQ	$-12.1M	$15.8M -1.3% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	28%
Deposits	$9.2M +4.0% YoY-3.8% QoQ	$-16.5M	$25.7M +1.4% YoY	$185.2M +10.6% YoY	$477.3M +9.7% YoY	34%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +1.8% YoY+2.3% QoQ	+0.2%	0.6% +10.8% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	56%
NIM	5.0% -0.3% YoY+1.7% QoQ	+1.0%	4.0% +4.0% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	Top 14.9% in tier
Efficiency Ratio	82.3% +0.4% YoY-0.4% QoQ	-0.3%	82.6% -2.3% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	57%
Delinquency Rate	1.1% +242.5% YoY+5.4% QoQ	-0.5	1.6% -3.1% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	63%
Loan To Share	40.3% -12.5% YoY+7.1% QoQ	-20.3%	60.6% -3.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	20%
AMR	$6,541 +3.8% YoY-0.6% QoQ	$-8K	$14,783 -1.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	Bottom 13.4% in tier
CD Concentration	0.1% -3.9% YoY+3.9% QoQ	-24.4%	24.4%	18.2%	19.8%	50%
Indirect Auto %	21.9% +17.8% YoY+30.3% QoQ	+8.1%	13.8%	10.0%	7.8%	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 2556 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

382

Net Interest Margin (NIM)

profitability

Value: 4.98%

Peer Median: -

#382 of 2556 Top 14.9% in <100M tier

402

Members Per Employee (MPE)

engagement

Value: 490.750

Peer Median: -

#402 of 2556 Top 15.7% in <100M tier

573

Share Certificate Concentration (%)

balance_sheet

Value: 0.07%

Peer Median: -

#573 of 2556 Top 22.4% in <100M tier

Top Weaknesses (6 metrics)

2424

Indirect Auto Concentration (%)

balance_sheet

Value: 21.85%

Peer Median: -

#2424 of 2556 Bottom 5.2% in <100M tier

2256

Loan-to-Member Ratio (LMR)

engagement

Value: $1,878

Peer Median: -

#2256 of 2556 Bottom 11.8% in <100M tier

2214

Average Member Relationship (AMR)

engagement

Value: $6,541

Peer Median: -

#2214 of 2556 Bottom 13.4% in <100M tier

2165

Net Charge-Off Rate

risk

Value: 1.05%

Peer Median: -

#2165 of 2556 Bottom 15.3% in <100M tier

2051

Loan-to-Share Ratio

balance_sheet

Value: 40.27%

Peer Median: -

#2051 of 2556 Bottom 19.8% in <100M tier

1945

Loan Growth Rate

growth

Value: -8.93%

Peer Median: -

#1945 of 2556 Bottom 23.9% in <100M tier