BlastPoint's Credit Union Scorecard
MCPHERSON CO-OP
Charter #65371 · KS
MCPHERSON CO-OP demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Net Interest Margin 0.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.5% in tier
- + Loan-to-Share Ratio: Top 6.7% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,145
+0.4% YoY+0.2% QoQ
|
+529 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$44.6M
+4.5% YoY+3.6% QoQ
|
+$14.5M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$38.3M
+3.5% YoY+4.3% QoQ
|
+$22.5M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Top 11.8% in tier |
| Deposits |
$40.5M
+3.6% YoY+2.9% QoQ
|
+$14.8M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
76% |
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 |
1.3%
+204.9% YoY-19.1% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
4.5%
+12.0% YoY+1.6% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
77.1%
-12.9% YoY+6.2% QoQ
|
-5.5% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate | 0.0% | -1.5 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.6% in tier |
| Loan To Share |
94.5%
-0.1% YoY+1.3% QoQ
|
+33.8% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 6.8% in tier |
| AMR |
$25,050
+3.1% YoY+3.4% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Top 8.0% in tier |
| CD Concentration |
20.4%
+8.0% YoY+3.8% QoQ
|
-4.0% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)