BlastPoint's Credit Union Scorecard

MORTON

Charter #65466 · KS

<100M

2508 CUs in <100M nationally 43 in KS

MORTON has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.21% above tier average

Key Concerns

Areas that may need attention

- ROA 0.57% below tier average
- Efficiency ratio 9.02% above tier (higher cost structure)
- Member decline: -4.0% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	789 -4.0% YoY+1.0% QoQ	-1.9K	2,676 +1.6% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	22%
Assets	$5.3M -1.5% YoY+1.2% QoQ	$-24.9M	$30.2M +1.3% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	20%
Loans	$3.9M +3.2% YoY+4.9% QoQ	$-11.4M	$15.3M -2.0% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	29%
Deposits	$4.6M -1.8% YoY+1.4% QoQ	$-21.2M	$25.8M +0.7% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	21%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.4% -184.3% YoY-175.8% QoQ	-0.6%	0.1% -77.6% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	Bottom 13.8% in tier
NIM	5.2% +7.0% YoY-1.7% QoQ	+1.2%	4.0% +4.0% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	Top 8.9% in tier
Efficiency Ratio	99.6% +11.7% YoY+14.3% QoQ	+9.0%	90.6% +6.5% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	0.6% -57.6% YoY+32.9% QoQ	-0.9	1.5% +3.8% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	49%
Loan To Share	84.2% +5.1% YoY+3.5% QoQ	+25.7%	58.5% -3.0% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	Top 13.8% in tier
AMR	$10,685 +4.6% YoY+1.9% QoQ	$-4K	$14,884 -1.7% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	32%
CD Concentration	8.6% +0.2% YoY+23.1% QoQ	-15.7%	24.3%	24.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	12.2%	7.7%	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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

222

Net Interest Margin (NIM)

profitability

Value: 5.22%

Peer Median: 3.83%

#222 of 2508 Top 8.8% in <100M tier

264

Fee Income Per Member

profitability

Value: $154.20

Peer Median: $60.42

#264 of 2508 Top 10.5% in <100M tier

343

Loan-to-Share Ratio

balance_sheet

Value: 84.17%

Peer Median: 58.72%

#343 of 2508 Top 13.6% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (6 metrics)

2162

Return on Assets (ROA)

profitability

Value: -0.42%

Peer Median: 0.61%

#2162 of 2508 Bottom 13.8% in <100M tier

2108

Efficiency Ratio

profitability

Value: 99.65%

Peer Median: 81.45%

#2108 of 2508 Bottom 16.0% in <100M tier

2010

Total Assets

balance_sheet

Value: $5.33M

Peer Median: $21.86M

#2010 of 2508 Bottom 19.9% in <100M tier

1977

Total Deposits

balance_sheet

Value: $4.58M

Peer Median: $18.77M

#1977 of 2508 Bottom 21.2% in <100M tier

1946

Total Members

engagement

Value: 789

Peer Median: 1,918

#1946 of 2508 Bottom 22.4% in <100M tier

1939

Member Growth Rate

growth

Value: -4.01%

Peer Median: -1.37%

#1939 of 2508 Bottom 22.7% in <100M tier