BlastPoint's Credit Union Scorecard
C & R
Charter #67783 · KS
C & R has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.77% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Delinquency rate 1.34% above tier average
- - Member decline: -2.6% YoY
- - Share Certificate Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
674
-2.6% YoY-0.6% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$4.1M
+5.8% YoY+1.3% QoQ
|
$-26.1M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$2.9M
+2.5% YoY+1.5% QoQ
|
$-12.8M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$3.6M
+6.8% YoY+1.5% QoQ
|
$-22.1M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.1%
-123.2% YoY+35.2% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
5.7%
+6.9% YoY+2.1% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
82.0%
-18.9% YoY+0.9% QoQ
|
-0.5% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
2.9%
+1338.5% YoY+305.4% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 13.5% in tier |
| Loan To Share |
81.9%
-4.0% YoY-0.0% QoQ
|
+21.3% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$9,626
+7.7% YoY+2.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
37.4%
+25.0% YoY-0.1% QoQ
|
+12.9% | 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)