BlastPoint's Credit Union Scorecard
SALINA MUNICIPAL
Charter #67800 · KS
2596 CUs in <100M nationally
45 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 5.63% below tier average
- - Efficiency ratio 20.88% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Net Worth Ratio: Bottom 4.5% in tier
- - Total Assets: Bottom 7.6% in tier
- - Total Deposits: Bottom 8.6% in tier
- - Total Members: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
349
-3.3% YoY+0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Bottom 9.4% in tier |
| Assets |
$1.4M
-5.2% YoY-0.9% QoQ
|
$-28.4M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.6% in tier |
| Loans |
$1.1M
-2.2% YoY-3.3% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.3% in tier |
| Deposits |
$1.3M
-1.0% YoY-1.0% QoQ
|
$-24.2M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.5% in tier |
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| ROA |
-4.9%
+2584.4% YoY-32.5% QoQ
|
-5.6% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.0% in tier |
| NIM |
5.6%
+9.1% YoY+0.7% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Top 6.2% in tier |
| Efficiency Ratio |
102.3%
+4.4% YoY-4.7% QoQ
|
+20.9% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 9.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
86.6%
-1.2% YoY-2.3% QoQ
|
+25.4% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 14.8% in tier |
| AMR |
$6,946
+1.8% YoY-2.4% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.8% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
162
Net Interest Margin (NIM)
profitability
Value:
5.63%
Peer Avg: -
#162 of 2596
Top 6.2% in <100M tier
379
Loan-to-Share Ratio
balance_sheet
Value:
86.61%
Peer Avg: -
#379 of 2596
Top 14.6% in <100M tier
Top Weaknesses (10 metrics)
2569
Return on Assets (ROA)
profitability
Value:
-4.95%
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2556
Net Charge-Off Rate
risk
Value:
4.95%
Peer Avg: -
#2556 of 2596
Bottom 1.6% in <100M tier
2480
Net Worth Ratio
risk
Value:
8.00%
Peer Avg: -
#2480 of 2596
Bottom 4.5% in <100M tier
2400
Total Assets
balance_sheet
Value:
$1.41M
Peer Avg: -
#2400 of 2596
Bottom 7.6% in <100M tier
2375
Total Deposits
balance_sheet
Value:
$1.30M
Peer Avg: -
#2375 of 2596
Bottom 8.6% in <100M tier
2351
Total Members
engagement
Value:
349
Peer Avg: -
#2351 of 2596
Bottom 9.5% in <100M tier
2346
Efficiency Ratio
profitability
Value:
102.28%
Peer Avg: -
#2346 of 2596
Bottom 9.7% in <100M tier
2277
Total Loans
balance_sheet
Value:
$1.13M
Peer Avg: -
#2277 of 2596
Bottom 12.3% in <100M tier
2246
Asset Growth Rate
growth
Value:
-5.23%
Peer Avg: -
#2246 of 2596
Bottom 13.5% in <100M tier
2211
Average Member Relationship (AMR)
engagement
Value:
$6,946
Peer Avg: -
#2211 of 2596
Bottom 14.9% in <100M tier