BlastPoint's Credit Union Scorecard

COMMUNITYAMERICA

Charter #67664 · KS

Large 5B-7B

34 CUs in 5B-7B nationally 1 in KS

View Large leaderboard →

COMMUNITYAMERICA has 9 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 0.0% in tier
+ Organic Growth Engine: Top 4.0% in tier
+ Emerging Performer: Top 15.0% in tier
+ ROA 0.11% above tier average
+ Net Interest Margin 0.59% above tier average
+ Strong member growth: 13.1% YoY
+ Fee Income Per Member: Top 0.0% in tier
+ Member Growth Rate: Top 2.9% in tier
+ Share Certificate Concentration (%): Top 8.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.0% in tier
- Credit Quality Pressure: Bottom 2.5% in tier
- Shrinking Wallet Share: Bottom 22.9% in tier
- Indirect Auto Dependency: Bottom 31.3% in tier
- Efficiency ratio 9.37% above tier (higher cost structure)
- Delinquency rate 0.27% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	380,564 +13.1% YoY+1.6% QoQ	+90.8K	289,724 -2.8% YoY	17,915 -2.9% YoY	33,089 +6.1% YoY	82%
Assets	$5.4B +0.3% YoY+1.1% QoQ	$-351.0M	$5.8B +0.2% YoY	$244.1M -6.9% YoY	$547.7M +7.8% YoY	35%
Loans	$3.7B +11.3% YoY+3.2% QoQ	$-348.6M	$4.1B -3.1% YoY	$175.9M -4.8% YoY	$388.7M +8.6% YoY	35%
Deposits	$4.8B +12.5% YoY+0.9% QoQ	$-113.2M	$4.9B +2.2% YoY	$209.0M -2.4% YoY	$464.6M +9.3% YoY	47%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +63.5% YoY+13.9% QoQ	+0.1%	0.8% +15.5% YoY	0.7% +53.0% YoY	0.7% +273.4% YoY	65%
NIM	3.5% +18.4% YoY+1.3% QoQ	+0.6%	2.9% +3.9% YoY	4.0% +8.4% YoY	3.7% +5.0% YoY	76%
Efficiency Ratio	77.5% -5.2% YoY-1.9% QoQ	+9.4%	68.1% -1.7% YoY	77.0% -6.2% YoY	79.1% -3.3% YoY	82%
Delinquency Rate	0.9% +54.9% YoY+36.2% QoQ	+0.3	0.6% -2.2% YoY	1.2% -23.8% YoY	1.2% -0.9% YoY	82%
Loan To Share	78.2% -1.0% YoY+2.3% QoQ	-5.4%	83.6% -5.7% YoY	71.9% -2.0% YoY	68.0% -1.7% YoY	26%
AMR	$22,359 -1.0% YoY+0.3% QoQ	$-12K	$34,398 +4.0% YoY	$16,347 +1.3% YoY	$19,418 +1.3% YoY	Bottom 8.8% in tier
CD Concentration	18.2% -7.0% YoY-0.9% QoQ	-10.6%	28.9% -1.3% YoY	24.2% -2.2% YoY	19.6% +6.2% YoY	Bottom 12.5% in tier
Indirect Auto %	17.3% -14.3% YoY-0.7% QoQ	+0.7%	16.6% -10.3% YoY	12.4% -5.6% YoY	7.9% -2.9% YoY	52%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#1 of 28 • Top 0.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 13.10%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Indirect Auto %: 17.26%

(Tier: 16.60%, National: 7.90%)

but worse than tier avg

28 of 64 Large CUs have this signature | 608 nationally

→ Stable (28→28 CUs) | New qualifier

Organic Growth Engine

growth

#7 of 50 • Top 4.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 13.10%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Return on Assets: 0.91%

(Tier: 0.91%, National: 0.71%)

better than tier avg

Indirect Auto %: 17.26%

(Tier: 16.60%, National: 7.90%)

but worse than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Emerging Performer

growth

#4 of 21 • Top 15.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.91%

(Tier: 0.91%, National: 0.71%)

better than tier avg

Member Growth (YoY): 13.10%

(Tier: 3.07%, National: 9.37%)

better than tier avg

21 of 64 Large CUs have this signature | 288 nationally

→ Stable (17→21 CUs) +4 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#2 of 25 • Bottom 1.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.32%

(Tier: 4.99%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

25 of 64 Large CUs have this signature | 646 nationally

↓ Shrinking -13 CUs YoY | New qualifier

Credit Quality Pressure

risk

#4 of 34 • Bottom 2.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#12 of 15 • Bottom 22.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.00%

(Tier: 2.82%, National: 4.19%)

worse than tier avg

15 of 64 Large CUs have this signature | 346 nationally

↓ Shrinking -6 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#32 of 33 • Bottom 31.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.34%

(Tier: 4.60%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.26%

(Tier: 16.60%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 13.10%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

33 of 64 Large CUs have this signature | 768 nationally

→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

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 34 peers in tier

Top Strengths (7 metrics)

Fee Income Per Member

profitability

Value: $407.03

Peer Avg: -

#1 of 34 Top 0.0% in 5B-7B tier

Member Growth Rate

growth

Value: 13.10%

Peer Avg: -

#2 of 34 Top 2.9% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.22%

Peer Avg: -

#4 of 34 Top 8.8% in 5B-7B tier

Total Members

engagement

Value: 380,564

Peer Avg: -

#6 of 34 Top 14.7% in 5B-7B tier

Loan Growth Rate

growth

Value: 11.32%

Peer Avg: -

#7 of 34 Top 17.6% in 5B-7B tier

Deposit Growth Rate

growth

Value: 12.48%

Peer Avg: -

#7 of 34 Top 17.6% in 5B-7B tier

Net Interest Margin (NIM)

profitability

Value: 3.50%

Peer Avg: -

#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (6 metrics)

AMR Growth Rate

growth

Value: -1.00%

Peer Avg: -

#31 of 34 Bottom 11.8% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $22,359

Peer Avg: -

#31 of 34 Bottom 11.8% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $9,812

Peer Avg: -

#30 of 34 Bottom 14.7% in 5B-7B tier

Efficiency Ratio

profitability

Value: 77.50%

Peer Avg: -

#29 of 34 Bottom 17.6% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.89%

Peer Avg: -

#29 of 34 Bottom 17.6% in 5B-7B tier

Asset Growth Rate

growth

Value: 0.34%

Peer Avg: -

#28 of 34 Bottom 20.6% in 5B-7B tier