BlastPoint's Credit Union Scorecard
C & R
Charter #67783 · KS
C & R has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.63% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.36% below tier average
- - Net Charge-Off Rate: Bottom 5.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -0.7% year over year ($3.8M in shares and deposits).
- Membership: 665 members, -1.3% vs a year ago.
- Delinquency rate 0.51%.
- Return on assets 0.13%.
- Efficiency ratio 79.62% vs a 88.77% peer average.
- Loan-to-share ratio 73.41% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
665
-1.3% YoY0% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$4.3M
-0.2% YoY+0.5% QoQ
|
$-26.0M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$2.8M
-5.7% YoY-1.9% QoQ
|
$-12.7M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$3.8M
-0.7% YoY+0.3% QoQ
|
$-22.0M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.1%
-170.5% YoY-130.1% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.1% in tier |
| NIM |
5.5%
+0.5% YoY+2.6% QoQ
|
+1.6% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Top 5.9% in tier |
| Efficiency Ratio |
79.6%
+1.2% YoY+3.9% QoQ
|
-9.1% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
0.5%
-81.2% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
73.4%
-5.1% YoY-2.3% QoQ
|
+14.5% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$9,830
-1.6% YoY-0.6% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
36.7%
+9.2% YoY+2.3% QoQ
|
+12.1% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 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)