BlastPoint's Credit Union Scorecard
SALINA MUNICIPAL
Charter #67800 · KS
SALINA MUNICIPAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.53% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency ratio 31.92% above tier (higher cost structure)
- - Member decline: -8.9% YoY
- - Net Worth Ratio: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 4.3% in tier
- - Total Assets: Bottom 6.8% in tier
- - Member Growth Rate: Bottom 7.6% in tier
- - Total Deposits: Bottom 7.6% 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 -7.1% year over year ($1.2M in shares and deposits).
- Membership: 317 members, -8.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.41%.
- Efficiency ratio 120.68% vs a 88.77% peer average.
- Loan-to-share ratio 72.09% 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 |
317
-8.9% YoY-5.4% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
Bottom 8.4% in tier |
| Assets |
$1.3M
-7.8% YoY+0.6% QoQ
|
$-29.0M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.7% in tier |
| Loans |
$879,139
-24.5% YoY-9.9% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.6% in tier |
| Deposits |
$1.2M
-7.1% YoY+1.1% QoQ
|
$-24.6M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.6% in tier |
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| ROA |
1.4%
-119.3% YoY-226.3% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
5.4%
-2.8% YoY-6.1% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
120.7%
+12.4% YoY+6.5% QoQ
|
+31.9% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
72.1%
-18.7% YoY-10.9% QoQ
|
+13.2% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$6,620
-7.0% YoY+1.6% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.5% in tier |
| CD Concentration | 0.0% | -24.6% | 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)