BlastPoint's Credit Union Scorecard
SALINA INTERPAROCHIAL
Charter #67799 · KS
SALINA INTERPAROCHIAL has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.5% in tier
- + Members Per Employee (MPE): Top 3.2% in tier
- + Efficiency Ratio: Top 3.6% in tier
- + Net Worth Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.21% above tier average
- - Share Certificate Concentration (%): Bottom 0.3% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,357
+0.1% YoY-0.1% QoQ
|
-268 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$22.3M
+0.1% YoY+1.2% QoQ
|
$-7.6M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$17.5M
-2.2% YoY-2.8% QoQ
|
+$1.8M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$15.9M
-0.3% YoY+1.7% QoQ
|
$-9.5M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
0.8%
-6.9% YoY-13.7% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
4.6%
+8.9% YoY+1.8% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
44.3%
+5.6% YoY-0.1% QoQ
|
-37.1% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
3.7%
-8.2% YoY+2.0% QoQ
|
+2.2 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Top 9.1% in tier |
| Loan To Share |
110.3%
-1.9% YoY-4.5% QoQ
|
+49.0% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 1.7% in tier |
| AMR |
$14,193
-1.4% YoY-0.6% QoQ
|
$-434 |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
79.5%
+1.4% YoY+1.0% QoQ
|
+55.1% |
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)