BlastPoint's Credit Union Scorecard

CREDIT UNION OF DODGE CITY

Charter #67856 · KS

1077 CUs in 100M-500M nationally 9 in KS

CREDIT UNION OF DODGE CITY has 5 strengths but faces 13 concerns

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 46.9% in tier
+ ROA 0.69% above tier average
+ Net Interest Margin 1.37% above tier average
+ First Mortgage Concentration (%): Top 2.7% in tier
+ Share Certificate Concentration (%): Top 5.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 8.3% in tier
- Stagnation Risk: Bottom 8.9% in tier
- Membership Headwinds: Bottom 14.3% in tier
- Credit Quality Pressure: Bottom 23.0% in tier
- Credit Risk Growth: Bottom 26.4% in tier
- Member decline: -2.9% YoY
- Total Assets: Bottom 0.2% in tier
- Total Deposits: Bottom 1.1% in tier
- Indirect Auto Concentration (%): Bottom 1.4% in tier
- Deposit Growth Rate: Bottom 5.6% in tier
- Average Member Relationship (AMR): Bottom 5.7% in tier
- Total Loans: Bottom 6.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	10,180 -2.9% YoY-0.8% QoQ	-5.4K	15,628 -3.4% YoY	17,915 -2.9% YoY	33,089 +6.1% YoY	31%
Assets	$100.5M -1.6% YoY+0.1% QoQ	$-130.8M	$231.3M -0.0% YoY	$244.1M -6.9% YoY	$547.7M +7.8% YoY	Bottom 0.1% in tier
Loans	$54.3M +3.0% YoY-1.4% QoQ	$-93.5M	$147.8M -1.4% YoY	$175.9M -4.8% YoY	$388.7M +8.6% YoY	Bottom 6.7% in tier
Deposits	$85.9M -3.3% YoY-0.3% QoQ	$-114.4M	$200.3M -0.0% YoY	$209.0M -2.4% YoY	$464.6M +9.3% YoY	Bottom 1.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +3.3% YoY+4.7% QoQ	+0.7%	0.8% +15.5% YoY	0.7% +53.0% YoY	0.7% +273.4% YoY	Top 12.8% in tier
NIM	5.0% +11.1% YoY+2.1% QoQ	+1.4%	3.6% +6.9% YoY	4.0% +8.4% YoY	3.7% +5.0% YoY	Top 3.2% in tier
Efficiency Ratio	72.9% -1.7% YoY-0.8% QoQ	-4.4%	77.3% -3.0% YoY	77.0% -6.2% YoY	79.1% -3.3% YoY	34%
Delinquency Rate	0.8% +8.2% YoY+21.8% QoQ	-0.1	0.9% +7.6% YoY	1.2% -23.8% YoY	1.2% -0.9% YoY	57%
Loan To Share	63.2% +6.6% YoY-1.1% QoQ	-9.5%	72.7% -1.5% YoY	71.9% -2.0% YoY	68.0% -1.7% YoY	28%
AMR	$13,774 +2.0% YoY+0.1% QoQ	$-11K	$24,363 +2.9% YoY	$16,347 +1.3% YoY	$19,418 +1.3% YoY	Bottom 5.6% in tier
CD Concentration	5.7% -5.4% YoY-4.2% QoQ	-18.7%	24.4% +4.2% YoY	24.2% -2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	69.4% +0.2% YoY-0.5% QoQ	+55.4%	14.0% -5.7% YoY	12.4% -5.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#160 of 340 • Top 46.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.48%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.05% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk

#135 of 525 • Bottom 8.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -1.59%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 69.37%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.90%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk

#148 of 550 • Bottom 8.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.90%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.01%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.77%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#236 of 550 • Bottom 14.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.90%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#569 of 736 • Bottom 23.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#396 of 446 • Bottom 26.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.01%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 1.90%

Peer Avg: -

#30 of 1077 Top 2.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.95%

Peer Avg: -

#34 of 1077 Top 3.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 5.70%

Peer Avg: -

#57 of 1077 Top 5.2% in 100M-500M tier

138

Return on Assets (ROA)

profitability

Value: 1.48%

Peer Avg: -

#138 of 1077 Top 12.7% in 100M-500M tier

260

Net Worth Ratio

risk

Value: 13.65%

Peer Avg: -

#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (9 metrics)

1076

Total Assets

balance_sheet

Value: $100.48M

Peer Avg: -

#1076 of 1077 Bottom 0.2% in 100M-500M tier

1066

Total Deposits

balance_sheet

Value: $85.90M

Peer Avg: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

1063

Indirect Auto Concentration (%)

balance_sheet

Value: 69.37%

Peer Avg: -

#1063 of 1077 Bottom 1.4% in 100M-500M tier

1018

Deposit Growth Rate

growth

Value: -3.33%

Peer Avg: -

#1018 of 1077 Bottom 5.6% in 100M-500M tier

1017

Average Member Relationship (AMR)

engagement

Value: $13,774

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

1005

Total Loans

balance_sheet

Value: $54.31M

Peer Avg: -

#1005 of 1077 Bottom 6.8% in 100M-500M tier

994

Loan-to-Member Ratio (LMR)

engagement

Value: $5,335

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

954

Asset Growth Rate

growth

Value: -1.59%

Peer Avg: -

#954 of 1077 Bottom 11.5% in 100M-500M tier

874

Member Growth Rate

growth

Value: -2.90%

Peer Avg: -

#874 of 1077 Bottom 18.9% in 100M-500M tier