BlastPoint's Credit Union Scorecard
C & R
Charter #67783 · KS
C & R has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.39% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Delinquency rate 1.23% above tier average
- - Member decline: -3.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
665
-3.1% YoY-1.3% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$4.3M
+0.6% YoY+4.6% QoQ
|
$-25.9M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$2.8M
-2.3% YoY-3.4% QoQ
|
$-12.5M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$3.8M
+0.0% YoY+5.3% QoQ
|
$-22.0M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
-0.4%
-78.4% YoY-587.2% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.7% in tier |
| NIM |
5.4%
+7.2% YoY-5.8% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Top 7.1% in tier |
| Efficiency Ratio |
76.6%
-8.0% YoY-6.6% QoQ
|
-14.0% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
2.7%
+39.9% YoY-5.9% QoQ
|
+1.2 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
75.1%
-2.3% YoY-8.3% QoQ
|
+16.6% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$9,891
+2.2% YoY+2.8% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
35.8%
+1.4% YoY-4.1% QoQ
|
+11.6% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 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)