BlastPoint's Credit Union Scorecard
MCPHERSON CO-OP
Charter #65371 · KS
MCPHERSON CO-OP demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.89% above tier average
- + Net Interest Margin 0.48% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.9% in tier
- + Loan-to-Share Ratio: Top 8.2% in tier
- + Fee Income Per Member: Top 8.6% in tier
- + Average Member Relationship (AMR): Top 9.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,139
-0.1% YoY-0.1% QoQ
|
+513 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$43.1M
+1.1% YoY-0.3% QoQ
|
+$13.2M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$36.7M
-0.7% YoY-0.9% QoQ
|
+$20.9M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Top 13.1% in tier |
| Deposits |
$39.4M
+1.0% YoY+0.5% QoQ
|
+$13.9M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
1.6%
+171.5% YoY-15.2% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
4.4%
+13.5% YoY+5.0% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
72.6%
-15.1% YoY+6.7% QoQ
|
-8.8% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
93.2%
-1.6% YoY-1.3% QoQ
|
+32.0% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 8.4% in tier |
| AMR |
$24,224
+0.2% YoY-0.1% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
Top 9.4% in tier |
| CD Concentration |
19.7%
+9.7% YoY+7.2% QoQ
|
-4.8% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% 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)