BlastPoint's Credit Union Scorecard
TRI-COUNTY
Charter #67855 · KS
2596 CUs in <100M nationally
45 in KS
TRI-COUNTY has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- + Loan Growth Rate: Top 4.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Net Interest Margin (NIM): Bottom 3.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
478
-1.0% YoY+0.4% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Bottom 13.1% in tier |
| Assets |
$5.5M
+5.2% YoY+2.3% QoQ
|
$-24.3M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$1.4M
+16.6% YoY-3.4% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.0% in tier |
| Deposits |
$4.6M
+5.5% YoY+2.5% QoQ
|
$-20.9M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
0.6%
+12.3% YoY+10.1% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
1.9%
+4.8% YoY-2.5% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
68.5%
-2.9% YoY-5.0% QoQ
|
-12.9% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-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 |
30.1%
+10.5% YoY-5.8% QoQ
|
-31.1% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.3% in tier |
| AMR |
$12,439
+9.0% YoY+0.7% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
42% |
| 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 (9 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
124
Loan Growth Rate
growth
Value:
16.61%
Peer Avg: -
#124 of 2596
Top 4.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
291
AMR Growth Rate
growth
Value:
9.04%
Peer Avg: -
#291 of 2596
Top 11.2% in <100M tier
560
Deposit Growth Rate
growth
Value:
5.54%
Peer Avg: -
#560 of 2596
Top 21.5% in <100M tier
633
Asset Growth Rate
growth
Value:
5.24%
Peer Avg: -
#633 of 2596
Top 24.3% in <100M tier
Top Weaknesses (9 metrics)
2517
Net Interest Margin (NIM)
profitability
Value:
1.89%
Peer Avg: -
#2517 of 2596
Bottom 3.1% in <100M tier
2325
Loan-to-Share Ratio
balance_sheet
Value:
30.11%
Peer Avg: -
#2325 of 2596
Bottom 10.5% in <100M tier
2255
Total Members
engagement
Value:
478
Peer Avg: -
#2255 of 2596
Bottom 13.2% in <100M tier
2233
Total Loans
balance_sheet
Value:
$1.38M
Peer Avg: -
#2233 of 2596
Bottom 14.0% in <100M tier
2137
Fee Income Per Member
profitability
Value:
$8.44
Peer Avg: -
#2137 of 2596
Bottom 17.7% in <100M tier
2046
Total Assets
balance_sheet
Value:
$5.52M
Peer Avg: -
#2046 of 2596
Bottom 21.2% in <100M tier
2032
Total Deposits
balance_sheet
Value:
$4.57M
Peer Avg: -
#2032 of 2596
Bottom 21.8% in <100M tier
2025
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,879
Peer Avg: -
#2025 of 2596
Bottom 22.0% in <100M tier
1990
Members Per Employee (MPE)
engagement
Value:
239.000
Peer Avg: -
#1990 of 2596
Bottom 23.4% in <100M tier