BlastPoint's Credit Union Scorecard
C & R
Charter #67783 · KS
C & R has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 4.5% in tier
- + Net Charge-Off Rate: Top 5.5% in tier
- + Deposit Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Member decline: -6.7% YoY
- - Share Certificate Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
678
-6.7% YoY+0.6% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$4.0M
+8.2% YoY-6.3% QoQ
|
$-25.8M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$2.9M
+4.3% YoY-1.9% QoQ
|
$-12.9M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$3.5M
+9.8% YoY-7.4% QoQ
|
$-21.9M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
18% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-113.0% YoY-135.6% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
5.6%
+2.3% YoY+1.8% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
81.3%
-20.4% YoY+3.3% QoQ
|
-0.1% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.7%
+42.0% YoY+1448.3% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
52% |
| Loan To Share |
82.0%
-5.0% YoY+6.0% QoQ
|
+20.7% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$9,431
+15.0% YoY-5.6% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
37.4%
+42.8% YoY+11.4% QoQ
|
+13.0% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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)