BlastPoint's Credit Union Scorecard
SALINA MUNICIPAL
Charter #67800 · KS
2556 CUs in <100M nationally
44 in KS
SALINA MUNICIPAL has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.70% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 5.09% below tier average
- - Efficiency ratio 28.12% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 2.5% in tier
- - Net Worth Ratio: Bottom 3.6% in tier
- - Total Assets: Bottom 7.2% in tier
- - Total Deposits: Bottom 8.1% in tier
- - Asset Growth Rate: Bottom 9.1% in tier
- - Total Members: 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 |
358
-1.9% YoY+2.6% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Bottom 9.7% in tier |
| Assets |
$1.4M
-6.8% YoY-4.1% QoQ
|
$-28.8M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.2% in tier |
| Loans |
$1.0M
-14.1% YoY-8.8% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.3% in tier |
| Deposits |
$1.3M
-2.9% YoY-3.7% QoQ
|
$-24.4M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.0% in tier |
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| ROA |
-4.5%
+369.9% YoY-9.8% QoQ
|
-5.1% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.2% in tier |
| NIM |
5.7%
+2.2% YoY+0.4% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 5.9% in tier |
| Efficiency Ratio |
110.7%
+14.3% YoY+8.2% QoQ
|
+28.1% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Top 6.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
82.0%
-11.6% YoY-5.3% QoQ
|
+21.4% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$6,360
-6.5% YoY-8.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
150
Net Interest Margin (NIM)
profitability
Value:
5.65%
Peer Median: -
#150 of 2556
Top 5.8% in <100M tier
483
Loan-to-Share Ratio
balance_sheet
Value:
82.04%
Peer Median: -
#483 of 2556
Top 18.9% in <100M tier
Top Weaknesses (14 metrics)
2526
Return on Assets (ROA)
profitability
Value:
-4.46%
Peer Median: -
#2526 of 2556
Bottom 1.2% in <100M tier
2492
Net Charge-Off Rate
risk
Value:
3.75%
Peer Median: -
#2492 of 2556
Bottom 2.5% in <100M tier
2465
Net Worth Ratio
risk
Value:
7.66%
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier
2397
Efficiency Ratio
profitability
Value:
110.68%
Peer Median: -
#2397 of 2556
Bottom 6.3% in <100M tier
2373
Total Assets
balance_sheet
Value:
$1.36M
Peer Median: -
#2373 of 2556
Bottom 7.2% in <100M tier
2351
Total Deposits
balance_sheet
Value:
$1.25M
Peer Median: -
#2351 of 2556
Bottom 8.1% in <100M tier
2324
Asset Growth Rate
growth
Value:
-6.83%
Peer Median: -
#2324 of 2556
Bottom 9.1% in <100M tier
2308
Total Members
engagement
Value:
358
Peer Median: -
#2308 of 2556
Bottom 9.7% in <100M tier
2268
Total Loans
balance_sheet
Value:
$1.03M
Peer Median: -
#2268 of 2556
Bottom 11.3% in <100M tier
2256
AMR Growth Rate
growth
Value:
-6.51%
Peer Median: -
#2256 of 2556
Bottom 11.8% in <100M tier