BlastPoint's Credit Union Scorecard
MCPHERSON CO-OP
Charter #65371 · KS
MCPHERSON CO-OP has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.94% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.5% in tier
- + Loan-to-Share Ratio: Top 4.4% in tier
- + Average Member Relationship (AMR): Top 6.6% in tier
- + AMR Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Member decline: -6.9% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits +1.1% year over year ($39.6M in shares and deposits).
- Membership: 2,924 members, -6.9% vs a year ago.
- Delinquency rate 0.11%.
- Return on assets 0.99%.
- Efficiency ratio 81.32% vs a 88.77% peer average.
- Loan-to-share ratio 96.90% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,924
-6.9% YoY-6.9% QoQ
|
+338 |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$44.0M
+1.8% YoY-2.1% QoQ
|
+$13.7M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$38.4M
+3.7% YoY+1.4% QoQ
|
+$22.9M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
Top 11.1% in tier |
| Deposits |
$39.6M
+1.1% YoY-2.6% QoQ
|
+$13.8M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
1.0%
-46.8% YoY+11.7% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
4.8%
+15.1% YoY+3.7% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Top 14.4% in tier |
| Efficiency Ratio |
81.3%
+19.6% YoY-2.3% QoQ
|
-7.4% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate | 0.1% | -1.4 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
96.9%
+2.6% YoY+4.1% QoQ
|
+38.0% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
Top 4.5% in tier |
| AMR |
$26,665
+10.0% YoY+6.7% QoQ
|
+$12K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
Top 6.6% in tier |
| CD Concentration |
19.7%
+7.6% YoY+0.3% QoQ
|
-4.8% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 7.7% | 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)