BlastPoint's Credit Union Scorecard

KANSAS TEACHERS COMMUNITY

Charter #67995 · KS

1069 CUs in 100M-500M nationally 9 in KS

KANSAS TEACHERS COMMUNITY has 2 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

+ ROA 0.50% above tier average
+ Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 36.9% in tier
- Shrinking Wallet Share: Bottom 49.3% in tier
- Accelerating Exit Risk: Bottom 60.0% in tier
- Credit Quality Pressure: Bottom 77.4% in tier
- Membership Headwinds: Bottom 81.7% in tier
- Institutional Decline: Bottom 82.4% in tier
- Indirect Auto Dependency: Bottom 87.5% in tier
- Delinquency rate 0.41% above tier average
- Average Member Relationship (AMR): Bottom 4.9% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
- Deposit Growth Rate: Bottom 8.0% in tier
- AMR Growth Rate: Bottom 8.0% in tier
- Loan Growth Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	12,194 -1.2% YoY-2.5% QoQ	-3.2K	15,437 -2.9% YoY	12,209 -35.0% YoY	33,374 +5.7% YoY	43%
Assets	$121.7M -0.1% YoY-1.6% QoQ	$-110.1M	$231.9M +1.3% YoY	$164.3M -37.3% YoY	$561.6M +9.7% YoY	Bottom 14.4% in tier
Loans	$61.1M -6.3% YoY-0.3% QoQ	$-86.3M	$147.3M -0.1% YoY	$120.8M -36.2% YoY	$397.0M +8.8% YoY	Bottom 10.7% in tier
Deposits	$103.4M -2.3% YoY-2.4% QoQ	$-97.5M	$200.8M +0.8% YoY	$139.5M -36.6% YoY	$477.3M +9.7% YoY	Bottom 12.9% 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	1.3% +172.5% YoY-5.1% QoQ	+0.5%	0.8% +18.2% YoY	0.6% +32.6% YoY	0.7% +15.9% YoY	83%
NIM	4.1% +8.1% YoY+2.6% QoQ	+0.5%	3.6% +6.7% YoY	4.0% +7.1% YoY	3.8% +5.1% YoY	76%
Efficiency Ratio	64.4% -8.5% YoY-0.1% QoQ	-12.6%	77.0% -3.1% YoY	78.8% -6.8% YoY	79.7% -3.3% YoY	Bottom 13.6% in tier
Delinquency Rate	1.3% +6.9% YoY-31.9% QoQ	+0.4	0.9% +4.2% YoY	1.5% -6.0% YoY	1.3% -2.1% YoY	81%
Loan To Share	59.1% -4.0% YoY+2.2% QoQ	-13.1%	72.2% -1.1% YoY	71.6% -2.2% YoY	67.4% -1.7% YoY	21%
AMR	$13,486 -2.7% YoY+0.8% QoQ	$-11K	$24,676 +3.4% YoY	$16,403 +0.2% YoY	$19,687 +2.0% YoY	Bottom 4.8% in tier
CD Concentration	16.7% -13.1% YoY-2.7% QoQ	-7.7%	24.4%	24.6%	19.8%	50%
Indirect Auto %	22.4% -15.7% YoY-4.4% QoQ	+8.6%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#205 of 554 • Bottom 36.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.20%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.25%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.30%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Shrinking Wallet Share

decline

#103 of 208 • Bottom 49.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.66%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY

Accelerating Exit Risk

decline

#34 of 56 • Bottom 60.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.20%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -2.66%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Credit Quality Pressure

risk

#546 of 705 • Bottom 77.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Membership Headwinds

decline

#453 of 554 • Bottom 81.7% in tier

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

Why This Signature

Member Growth (YoY): -1.20%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#198 of 240 • Bottom 82.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $121.73M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.20%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.25%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Indirect Auto Dependency

risk

#443 of 506 • Bottom 87.5% in tier

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

Why This Signature

Asset Growth (YoY): -0.12%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 22.37%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.20%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (4 metrics)

146

Efficiency Ratio

profitability

Value: 64.45%

Peer Median: -

#146 of 1069 Top 13.6% in 100M-500M tier

163

Net Worth Ratio

risk

Value: 15.02%

Peer Median: -

#163 of 1069 Top 15.2% in 100M-500M tier

186

Return on Assets (ROA)

profitability

Value: 1.26%

Peer Median: -

#186 of 1069 Top 17.3% in 100M-500M tier

260

Net Interest Margin (NIM)

profitability

Value: 4.07%

Peer Median: -

#260 of 1069 Top 24.2% in 100M-500M tier

Top Weaknesses (13 metrics)

1018

Average Member Relationship (AMR)

engagement

Value: $13,486

Peer Median: -

#1018 of 1069 Bottom 4.9% in 100M-500M tier

1008

Loan-to-Member Ratio (LMR)

engagement

Value: $5,010

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

985

Deposit Growth Rate

growth

Value: -2.33%

Peer Median: -

#985 of 1069 Bottom 8.0% in 100M-500M tier

985

AMR Growth Rate

growth

Value: -2.66%

Peer Median: -

#985 of 1069 Bottom 8.0% in 100M-500M tier

984

Loan Growth Rate

growth

Value: -6.25%

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

955

Total Loans

balance_sheet

Value: $61.09M

Peer Median: -

#955 of 1069 Bottom 10.8% in 100M-500M tier

938

Net Charge-Off Rate

risk

Value: 0.90%

Peer Median: -

#938 of 1069 Bottom 12.3% in 100M-500M tier

931

Total Deposits

balance_sheet

Value: $103.36M

Peer Median: -

#931 of 1069 Bottom 13.0% in 100M-500M tier

916

Asset Growth Rate

growth

Value: -0.12%

Peer Median: -

#916 of 1069 Bottom 14.4% in 100M-500M tier

915

Total Assets

balance_sheet

Value: $121.73M

Peer Median: -

#915 of 1069 Bottom 14.5% in 100M-500M tier