BlastPoint's Credit Union Scorecard
MORTON
Charter #65466 · KS
MORTON has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 4.63% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
781
-4.1% YoY+0.5% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$5.3M
+0.2% YoY+3.7% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$3.7M
-7.2% YoY-1.8% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.5M
+1.0% YoY+4.5% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.6%
-40.4% YoY-32.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
5.3%
+7.1% YoY+1.2% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 9.2% in tier |
| Efficiency Ratio |
87.2%
+3.9% YoY+2.9% QoQ
|
+4.6% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.5%
+47.3% YoY-50.0% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
81.3%
-8.1% YoY-6.1% QoQ
|
+20.7% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$10,484
+1.3% YoY+1.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
7.0%
-10.9% YoY+1.4% QoQ
|
-17.5% | 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)