BlastPoint's Credit Union Scorecard

KANSAS TEACHERS COMMUNITY

Charter #67995 · KS

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

KANSAS TEACHERS COMMUNITY has 5 strengths but faces 10 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

+ Organic Growth Engine: Top 7.9% in tier
+ Emerging Performer: Top 24.7% in tier
+ Profitability Leader: Top 63.1% in tier
+ ROA 0.54% above tier average
+ Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.7% in tier
- Shrinking Wallet Share: Bottom 3.4% in tier
- Indirect Auto Dependency: Bottom 30.5% in tier
- Deposit Outflow: Bottom 100.0% in tier
- Delinquency rate 1.05% above tier average
- AMR Growth Rate: Bottom 2.5% in tier
- Loan Growth Rate: Bottom 2.9% in tier
- Average Member Relationship (AMR): Bottom 4.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
- Total Delinquency Rate (60+ days): Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	12,502 +3.6% YoY+1.3% QoQ	-3.1K	15,628 -3.4% YoY	17,915 -2.9% YoY	33,089 +6.1% YoY	44%
Assets	$123.7M +0.8% YoY-1.8% QoQ	$-107.6M	$231.3M -0.0% YoY	$244.1M -6.9% YoY	$547.7M +7.8% YoY	16%
Loans	$61.3M -10.6% YoY-1.3% QoQ	$-86.5M	$147.8M -1.4% YoY	$175.9M -4.8% YoY	$388.7M +8.6% YoY	Bottom 10.4% in tier
Deposits	$105.9M -0.5% YoY-2.3% QoQ	$-94.3M	$200.3M -0.0% YoY	$209.0M -2.4% YoY	$464.6M +9.3% YoY	Bottom 15.0% 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	1.3% +158.1% YoY+6.2% QoQ	+0.5%	0.8% +15.5% YoY	0.7% +53.0% YoY	0.7% +273.4% YoY	83%
NIM	4.0% +8.7% YoY+2.5% QoQ	+0.4%	3.6% +6.9% YoY	4.0% +8.4% YoY	3.7% +5.0% YoY	71%
Efficiency Ratio	64.5% -9.0% YoY-2.0% QoQ	-12.8%	77.3% -3.0% YoY	77.0% -6.2% YoY	79.1% -3.3% YoY	Bottom 14.7% in tier
Delinquency Rate	1.9% +76.6% YoY+45.0% QoQ	+1.1	0.9% +7.6% YoY	1.2% -23.8% YoY	1.2% -0.9% YoY	Top 8.1% in tier
Loan To Share	57.8% -10.1% YoY+1.1% QoQ	-14.9%	72.7% -1.5% YoY	71.9% -2.0% YoY	68.0% -1.7% YoY	18%
AMR	$13,374 -7.8% YoY-3.2% QoQ	$-11K	$24,363 +2.9% YoY	$16,347 +1.3% YoY	$19,418 +1.3% YoY	Bottom 4.7% in tier
CD Concentration	17.1% -5.3% YoY-1.0% QoQ	-7.3%	24.4% +4.2% YoY	24.2% -2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	23.4% -16.2% YoY-2.0% QoQ	+9.4%	14.0% -5.7% YoY	12.4% -5.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#146 of 603 • Top 7.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.55%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.33%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 23.39%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#48 of 191 • Top 24.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.33%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 3.55%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Profitability Leader

growth

#215 of 340 • Top 63.1% in tier

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

Why This Signature

Return on Assets: 1.33%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.81% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#68 of 736 • Bottom 2.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.83% 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

Shrinking Wallet Share

decline

#35 of 244 • Bottom 3.4% in tier

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

Why This Signature

AMR Growth (YoY): -7.77%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#491 of 525 • Bottom 30.5% in tier

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

Why This Signature

Asset Growth (YoY): 0.83%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 23.39%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.55%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Deposit Outflow

decline

#81 of 81 • Bottom 100.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.54%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 3.55%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 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 (4 metrics)

159

Efficiency Ratio

profitability

Value: 64.50%

Peer Avg: -

#159 of 1077 Top 14.7% in 100M-500M tier

165

Member Growth Rate

growth

Value: 3.55%

Peer Avg: -

#165 of 1077 Top 15.2% in 100M-500M tier

179

Return on Assets (ROA)

profitability

Value: 1.33%

Peer Avg: -

#179 of 1077 Top 16.5% in 100M-500M tier

193

Net Worth Ratio

risk

Value: 14.53%

Peer Avg: -

#193 of 1077 Top 17.8% in 100M-500M tier

Top Weaknesses (13 metrics)

1051

AMR Growth Rate

growth

Value: -7.77%

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

1047

Loan Growth Rate

growth

Value: -10.63%

Peer Avg: -

#1047 of 1077 Bottom 2.9% in 100M-500M tier

1026

Average Member Relationship (AMR)

engagement

Value: $13,374

Peer Avg: -

#1026 of 1077 Bottom 4.8% in 100M-500M tier

1020

Loan-to-Member Ratio (LMR)

engagement

Value: $4,900

Peer Avg: -

#1020 of 1077 Bottom 5.4% in 100M-500M tier

991

Total Delinquency Rate (60+ days)

risk

Value: 1.91%

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

965

Total Loans

balance_sheet

Value: $61.26M

Peer Avg: -

#965 of 1077 Bottom 10.5% in 100M-500M tier

915

Total Deposits

balance_sheet

Value: $105.94M

Peer Avg: -

#915 of 1077 Bottom 15.1% in 100M-500M tier

914

Deposit Growth Rate

growth

Value: -0.54%

Peer Avg: -

#914 of 1077 Bottom 15.2% in 100M-500M tier

908

Total Assets

balance_sheet

Value: $123.74M

Peer Avg: -

#908 of 1077 Bottom 15.8% in 100M-500M tier

878

Loan-to-Share Ratio

balance_sheet

Value: 57.82%

Peer Avg: -

#878 of 1077 Bottom 18.6% in 100M-500M tier