BlastPoint's Credit Union Scorecard
TRI-COUNTY
Charter #67855 · KS
<100M
2508 CUs in <100M nationally
43 in KS
TRI-COUNTY has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Deposit Growth Rate: Top 3.9% in tier
- + Asset Growth Rate: Top 4.7% in tier
- + AMR Growth Rate: Top 5.1% in tier
- + Efficiency Ratio: Top 8.4% in tier
- + Loan Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.13% above tier average
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Loan-to-Share Ratio: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
477
-0.4% YoY0% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
Bottom 13.0% in tier |
| Assets |
$5.8M
+12.2% YoY+2.5% QoQ
|
$-24.4M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$1.3M
+10.9% YoY+3.6% QoQ
|
$-14.0M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.6% in tier |
| Deposits |
$4.8M
+13.8% YoY+2.7% QoQ
|
$-21.0M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.9%
+74.1% YoY+41.0% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
2.0%
+6.5% YoY+8.0% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
56.1%
-23.3% YoY-15.4% QoQ
|
-34.5% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
Top 8.4% in tier |
| Delinquency Rate |
1.6%
-8.9% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
27.5%
-2.6% YoY+0.8% QoQ
|
-31.0% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.4% in tier |
| AMR |
$12,837
+13.6% YoY+2.9% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
44% |
| 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 (9 metrics)
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
98
Deposit Growth Rate
growth
Value:
13.81%
Peer Median: 0.66%
#98 of 2508
Top 3.9% in <100M tier
119
Asset Growth Rate
growth
Value:
12.17%
Peer Median: 1.30%
#119 of 2508
Top 4.7% in <100M tier
129
AMR Growth Rate
growth
Value:
13.64%
Peer Median: 1.27%
#129 of 2508
Top 5.1% in <100M tier
211
Efficiency Ratio
profitability
Value:
56.11%
Peer Median: 81.45%
#211 of 2508
Top 8.4% in <100M tier
229
Loan Growth Rate
growth
Value:
10.89%
Peer Median: -2.36%
#229 of 2508
Top 9.1% 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 (10 metrics)
2412
Net Interest Margin (NIM)
profitability
Value:
2.03%
Peer Median: 3.83%
#2412 of 2508
Bottom 3.9% in <100M tier
2271
Loan-to-Share Ratio
balance_sheet
Value:
27.50%
Peer Median: 58.72%
#2271 of 2508
Bottom 9.5% in <100M tier
2180
Total Members
engagement
Value:
477
Peer Median: 1,918
#2180 of 2508
Bottom 13.1% in <100M tier
2167
Total Loans
balance_sheet
Value:
$1.32M
Peer Median: $9.48M
#2167 of 2508
Bottom 13.6% in <100M tier
1997
Fee Income Per Member
profitability
Value:
$10.73
Peer Median: $60.42
#1997 of 2508
Bottom 20.4% in <100M tier
1967
Total Assets
balance_sheet
Value:
$5.77M
Peer Median: $21.86M
#1967 of 2508
Bottom 21.6% in <100M tier
1958
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,769
Peer Median: $4,923
#1958 of 2508
Bottom 22.0% in <100M tier
1955
Total Deposits
balance_sheet
Value:
$4.80M
Peer Median: $18.77M
#1955 of 2508
Bottom 22.1% in <100M tier
1918
Total Delinquency Rate (60+ days)
risk
Value:
1.64%
Peer Median: 0.65%
#1918 of 2508
Bottom 23.6% in <100M tier
1907
Members Per Employee (MPE)
engagement
Value:
238.500
Peer Median: 333.750
#1907 of 2508
Bottom 24.0% in <100M tier