BlastPoint's Credit Union Scorecard
KANSAS TEACHERS COMMUNITY
Charter #67995 · KS
KANSAS TEACHERS COMMUNITY has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.49% above tier average
- + Net Interest Margin 0.47% above tier average
- + AMR Growth Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.35% above tier average
- - Member decline: -11.3% YoY
- - Member Growth Rate: Bottom 2.4% in tier
- - Deposit Growth Rate: Bottom 9.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kansas.
- Shares and deposits -2.2% year over year ($106M in shares and deposits).
- Membership: 10,945 members, -11.3% vs a year ago.
- Delinquency rate 1.24%.
- Return on assets 1.36%.
- Efficiency ratio 67.51% vs a 76.73% peer average.
- Loan-to-share ratio 62.46% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,945
-11.3% YoY+0.3% QoQ
|
-4.2K |
15,168
-2.6% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$125.3M
-0.5% YoY-0.2% QoQ
|
$-106.7M |
$232.0M
+0.7% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$66.3M
+6.8% YoY+6.6% QoQ
|
$-80.0M |
$146.3M
+0.2% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.3% in tier |
| Deposits |
$106.1M
-2.2% YoY-0.5% QoQ
|
$-94.6M |
$200.7M
+0.2% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.6% in tier |
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| ROA |
1.4%
+8.5% YoY+4.0% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
4.2%
+7.4% YoY+2.8% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
67.5%
+2.5% YoY-1.3% QoQ
|
-9.2% |
76.7%
-0.8% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
1.2%
-6.3% YoY+55.6% QoQ
|
+0.4 |
0.9%
+6.6% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
62.5%
+9.2% YoY+7.1% QoQ
|
-9.1% |
71.5%
-0.3% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$15,746
+14.0% YoY+1.8% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.0% in tier |
| CD Concentration |
16.6%
-4.4% YoY-0.4% QoQ
|
-8.0% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % |
18.5%
-22.6% YoY-10.0% QoQ
|
+4.8% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)