BlastPoint's Credit Union Scorecard
TRI-COUNTY
Charter #67855 · KS
2556 CUs in <100M nationally
44 in KS
TRI-COUNTY has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.5% in tier
- + Asset Growth Rate: Top 4.6% in tier
- + AMR Growth Rate: Top 5.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.24% above tier average
- - Net Interest Margin (NIM): Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
477
-0.8% YoY-0.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Bottom 12.8% in tier |
| Assets |
$5.6M
+13.3% YoY+2.1% QoQ
|
$-24.5M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$1.3M
+4.9% YoY-7.3% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.1% in tier |
| Deposits |
$4.7M
+15.4% YoY+2.3% QoQ
|
$-21.0M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.7%
+6.9% YoY+6.6% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
1.9%
-1.2% YoY-0.4% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio |
66.3%
-3.7% YoY-3.2% QoQ
|
-16.3% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate | 1.8% | +0.2 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
27.3%
-9.1% YoY-9.4% QoQ
|
-33.3% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.0% in tier |
| AMR |
$12,473
+14.0% YoY+0.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
42% |
| 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 (9 metrics)
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
90
Deposit Growth Rate
growth
Value:
15.44%
Peer Median: -
#90 of 2556
Top 3.5% in <100M tier
118
Asset Growth Rate
growth
Value:
13.32%
Peer Median: -
#118 of 2556
Top 4.6% in <100M tier
132
AMR Growth Rate
growth
Value:
13.95%
Peer Median: -
#132 of 2556
Top 5.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
521
Efficiency Ratio
profitability
Value:
66.30%
Peer Median: -
#521 of 2556
Top 20.3% in <100M tier
554
Loan Growth Rate
growth
Value:
4.90%
Peer Median: -
#554 of 2556
Top 21.6% in <100M tier
Top Weaknesses (10 metrics)
2470
Net Interest Margin (NIM)
profitability
Value:
1.88%
Peer Median: -
#2470 of 2556
Bottom 3.4% in <100M tier
2349
Loan-to-Share Ratio
balance_sheet
Value:
27.28%
Peer Median: -
#2349 of 2556
Bottom 8.1% in <100M tier
2227
Total Members
engagement
Value:
477
Peer Median: -
#2227 of 2556
Bottom 12.9% in <100M tier
2220
Total Loans
balance_sheet
Value:
$1.28M
Peer Median: -
#2220 of 2556
Bottom 13.2% in <100M tier
2119
Fee Income Per Member
profitability
Value:
$9.11
Peer Median: -
#2119 of 2556
Bottom 17.1% in <100M tier
2052
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,673
Peer Median: -
#2052 of 2556
Bottom 19.8% in <100M tier
2006
Total Assets
balance_sheet
Value:
$5.63M
Peer Median: -
#2006 of 2556
Bottom 21.6% in <100M tier
2000
Total Deposits
balance_sheet
Value:
$4.67M
Peer Median: -
#2000 of 2556
Bottom 21.8% in <100M tier
1954
Members Per Employee (MPE)
engagement
Value:
238.500
Peer Median: -
#1954 of 2556
Bottom 23.6% in <100M tier
1938
Total Delinquency Rate (60+ days)
risk
Value:
1.80%
Peer Median: -
#1938 of 2556
Bottom 24.2% in <100M tier