BlastPoint's Credit Union Scorecard
SALINA INTERPAROCHIAL
Charter #67799 · KS
SALINA INTERPAROCHIAL has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Net Interest Margin 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.1% in tier
- + Efficiency Ratio: Top 2.7% in tier
- + Members Per Employee (MPE): Top 3.3% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.94% above tier average
- - Share Certificate Concentration (%): Bottom 0.3% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,366
+2.0% YoY+0.4% QoQ
|
-249 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$22.5M
+3.8% YoY+0.9% QoQ
|
$-7.6M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$17.0M
-3.7% YoY-2.8% QoQ
|
+$1.3M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$16.1M
+4.5% YoY+0.9% QoQ
|
$-9.6M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
0.6%
+30.1% YoY-15.5% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
4.6%
+6.5% YoY-0.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
45.5%
+2.9% YoY+2.7% QoQ
|
-37.1% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
3.5%
-18.2% YoY-6.2% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 10.6% in tier |
| Loan To Share |
106.2%
-7.9% YoY-3.7% QoQ
|
+45.6% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 2.2% in tier |
| AMR |
$13,990
-1.8% YoY-1.4% QoQ
|
$-793 |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
79.5%
+3.7% YoY+0.1% QoQ
|
+55.1% | 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)