BlastPoint's Credit Union Scorecard
SALINA MUNICIPAL
Charter #67800 · KS
<100M
2508 CUs in <100M nationally
43 in KS
SALINA MUNICIPAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.78% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Efficiency ratio 22.66% above tier (higher cost structure)
- - Member decline: -5.4% YoY
- - Net Worth Ratio: Bottom 3.8% in tier
- - Asset Growth Rate: Bottom 4.2% in tier
- - Deposit Growth Rate: Bottom 6.7% in tier
- - Total Assets: Bottom 6.9% in tier
- - Loan Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
335
-5.4% YoY-6.4% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
Bottom 8.7% in tier |
| Assets |
$1.3M
-10.4% YoY-3.6% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.9% in tier |
| Loans |
$975,755
-19.2% YoY-4.9% QoQ
|
$-14.3M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.3% in tier |
| Deposits |
$1.2M
-10.1% YoY-3.6% QoQ
|
$-24.6M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.8% in tier |
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| ROA |
-1.1%
-91.9% YoY-74.9% QoQ
|
-1.3% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.7% in tier |
| NIM |
5.8%
+0.6% YoY+2.3% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Top 4.6% in tier |
| Efficiency Ratio |
113.3%
+1.8% YoY+2.4% QoQ
|
+22.7% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
80.9%
-10.1% YoY-1.4% QoQ
|
+22.4% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$6,514
-9.6% YoY+2.4% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.7% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
116
Net Interest Margin (NIM)
profitability
Value:
5.79%
Peer Median: 3.83%
#116 of 2508
Top 4.6% in <100M tier
427
Loan-to-Share Ratio
balance_sheet
Value:
80.89%
Peer Median: 58.72%
#427 of 2508
Top 17.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (14 metrics)
2414
Net Worth Ratio
risk
Value:
7.67%
Peer Median: 14.28%
#2414 of 2508
Bottom 3.8% in <100M tier
2404
Asset Growth Rate
growth
Value:
-10.37%
Peer Median: 1.30%
#2404 of 2508
Bottom 4.2% in <100M tier
2340
Deposit Growth Rate
growth
Value:
-10.12%
Peer Median: 0.66%
#2340 of 2508
Bottom 6.7% in <100M tier
2336
Total Assets
balance_sheet
Value:
$1.31M
Peer Median: $21.86M
#2336 of 2508
Bottom 6.9% in <100M tier
2333
Loan Growth Rate
growth
Value:
-19.21%
Peer Median: -2.36%
#2333 of 2508
Bottom 7.0% in <100M tier
2316
Return on Assets (ROA)
profitability
Value:
-1.12%
Peer Median: 0.61%
#2316 of 2508
Bottom 7.7% in <100M tier
2313
Total Deposits
balance_sheet
Value:
$1.21M
Peer Median: $18.77M
#2313 of 2508
Bottom 7.8% in <100M tier
2312
AMR Growth Rate
growth
Value:
-9.57%
Peer Median: 1.27%
#2312 of 2508
Bottom 7.9% in <100M tier
2306
Efficiency Ratio
profitability
Value:
113.29%
Peer Median: 81.45%
#2306 of 2508
Bottom 8.1% in <100M tier
2288
Total Members
engagement
Value:
335
Peer Median: 1,918
#2288 of 2508
Bottom 8.8% in <100M tier