BlastPoint's Credit Union Scorecard

KANSAS TEACHERS COMMUNITY

Charter #67995 · KS

100M-500M

1070 CUs in 100M-500M nationally 10 in KS

KANSAS TEACHERS COMMUNITY has 4 strengths but faces 7 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.58% above tier average
+ Net Interest Margin 0.41% above tier average
+ AMR Growth Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Member decline: -11.6% YoY
- Member Growth Rate: Bottom 2.4% in tier
- Deposit Growth Rate: Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	10,915 -11.6% YoY-10.5% QoQ	-4.2K	15,145 -2.5% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	37%
Assets	$125.5M -0.8% YoY+3.1% QoQ	$-106.2M	$231.7M +0.8% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	16%
Loans	$62.2M -1.8% YoY+1.8% QoQ	$-82.0M	$144.1M +0.2% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	Bottom 12.1% in tier
Deposits	$106.6M -2.6% YoY+3.2% QoQ	$-94.5M	$201.1M +0.4% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	15%

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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% +30.4% YoY+3.5% QoQ	+0.6%	0.7% +5.1% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	84%
NIM	4.0% +6.6% YoY-0.7% QoQ	+0.4%	3.6% +4.6% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	68.4% -3.1% YoY+6.1% QoQ	-9.6%	78.0% -1.7% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	21%
Delinquency Rate	0.8% -33.6% YoY-39.0% QoQ	+0.0	0.8% +7.1% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	65%
Loan To Share	58.3% +0.8% YoY-1.3% QoQ	-12.1%	70.4% -0.4% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	24%
AMR	$15,465 +10.5% YoY+14.7% QoQ	$-9K	$24,918 +2.7% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	Bottom 10.8% in tier
CD Concentration	16.6% -4.4% YoY-0.3% QoQ	-7.6%	24.3%	24.3%	19.8%	50%
Indirect Auto %	20.5% -17.5% YoY-8.2% QoQ	+6.7%	13.8%	12.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#107 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.48%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#27 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -11.56%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#52 of 570 • Bottom 50.0% 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): -11.56%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.78%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.79%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#121 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $125.54M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -11.56%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.78%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#424 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -0.78%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.52%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -11.56%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 10.48%

Peer Median: 3.46%

#86 of 1070 Top 7.9% in 100M-500M tier

166

Net Worth Ratio

risk

Value: 14.89%

Peer Median: 11.45%

#166 of 1070 Top 15.4% in 100M-500M tier

175

Return on Assets (ROA)

profitability

Value: 1.30%

Peer Median: 0.69%

#175 of 1070 Top 16.3% in 100M-500M tier

230

Efficiency Ratio

profitability

Value: 68.39%

Peer Median: 78.68%

#230 of 1070 Top 21.4% in 100M-500M tier

255

First Mortgage Concentration (%)

balance_sheet

Value: 16.80%

Peer Median: 29.47%

#255 of 1070 Top 23.7% in 100M-500M tier

258

Net Interest Margin (NIM)

profitability

Value: 4.04%

Peer Median: 3.62%

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (10 metrics)

1045

Member Growth Rate

growth

Value: -11.56%

Peer Median: -0.06%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

981

Deposit Growth Rate

growth

Value: -2.59%

Peer Median: 3.30%

#981 of 1070 Bottom 8.4% in 100M-500M tier

954

Average Member Relationship (AMR)

engagement

Value: $15,465

Peer Median: $22,931

#954 of 1070 Bottom 10.9% in 100M-500M tier

945

Loan-to-Member Ratio (LMR)

engagement

Value: $5,696

Peer Median: $9,356

#945 of 1070 Bottom 11.8% in 100M-500M tier

941

Total Loans

balance_sheet

Value: $62.18M

Peer Median: $121.41M

#941 of 1070 Bottom 12.1% in 100M-500M tier

934

Asset Growth Rate

growth

Value: -0.78%

Peer Median: 3.91%

#934 of 1070 Bottom 12.8% in 100M-500M tier

908

Total Deposits

balance_sheet

Value: $106.62M

Peer Median: $171.29M

#908 of 1070 Bottom 15.2% in 100M-500M tier

894

Total Assets

balance_sheet

Value: $125.54M

Peer Median: $196.57M

#894 of 1070 Bottom 16.5% in 100M-500M tier

818

Loan Growth Rate

growth

Value: -1.78%

Peer Median: 2.93%

#818 of 1070 Bottom 23.6% in 100M-500M tier

817

Loan-to-Share Ratio

balance_sheet

Value: 58.31%

Peer Median: 71.88%

#817 of 1070 Bottom 23.7% in 100M-500M tier