BlastPoint's Credit Union Scorecard

GREAT PLAINS

Charter #6853 · MO

100M-500M

1024 CUs in 100M-500M nationally 22 in MO

GREAT PLAINS has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Members: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.75% below tier average

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 22 that size in Missouri.
Shares and deposits -9.9% year over year ($277M in shares and deposits).
Membership: 27,424 members, -4.9% vs a year ago.
Delinquency rate 0.53%.
Return on assets 0.11%.
Efficiency ratio 90.29% vs a 76.73% peer average.
Loan-to-share ratio 42.78% 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 (MO)	National Avg	Tier Percentile
Members	27,424 -4.9% YoY-2.9% QoQ	+12.3K	15,168 -2.6% YoY	15,766 -0.3% YoY	34,678 +6.6% YoY	Top 8.7% in tier
Assets	$318.8M -7.4% YoY-1.4% QoQ	+$86.8M	$232.0M +0.7% YoY	$225.8M +8.3% YoY	$593.1M +10.2% YoY	76%
Loans	$118.5M -3.9% YoY+7.2% QoQ	$-27.7M	$146.3M +0.2% YoY	$157.5M +9.5% YoY	$418.6M +10.1% YoY	48%
Deposits	$277.1M -9.9% YoY-1.8% QoQ	+$76.4M	$200.7M +0.2% YoY	$197.6M +8.9% YoY	$504.8M +10.3% YoY	76%

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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	0.1% -110.4% YoY-47.3% QoQ	-0.8%	0.9% +12.5% YoY	1.4% +222.5% YoY	1.2% +121.4% YoY	Bottom 4.0% in tier
NIM	2.8% +50.4% YoY+2.2% QoQ	-0.9%	3.7% +4.5% YoY	3.8% +0.7% YoY	3.8% +2.3% YoY	Bottom 8.1% in tier
Efficiency Ratio	90.3% -29.9% YoY+10.3% QoQ	+13.6%	76.7% -0.8% YoY	83.2% +2.3% YoY	83.0% -5.3% YoY	Bottom 11.2% in tier
Delinquency Rate	0.5% -32.5% YoY+4.9% QoQ	-0.3	0.9% +6.6% YoY	1.1% -8.7% YoY	1.3% +2.6% YoY	39%
Loan To Share	42.8% +6.6% YoY+9.2% QoQ	-28.8%	71.5% -0.3% YoY	69.6% -2.9% YoY	66.4% -1.4% YoY	Bottom 5.7% in tier
AMR	$14,425 -3.4% YoY+3.7% QoQ	$-11K	$25,107 +3.2% YoY	$17,444 +4.9% YoY	$20,028 -0.9% YoY	Bottom 7.1% in tier
CD Concentration	33.6% -19.2% YoY-3.8% QoQ	+9.0%	24.6%	18.3%	20.0%	50%
Indirect Auto %	25.8% -20.8% YoY-10.2% QoQ	+12.1%	13.6%	9.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Accelerating Exit Risk

decline

#5 of 46 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -4.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -3.44%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Stagnation Risk

risk

#110 of 549 • 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): -4.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.90%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.53%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#51 of 230 • 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: $318.84M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -4.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.90%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Membership Headwinds

decline

#132 of 549 • 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): -4.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#86 of 223 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -3.44%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Efficiency Drag

risk

#412 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.29%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 1.17% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -4.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#391 of 476 • 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): -7.36%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 25.77%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -4.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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 1024 peers in tier

Top Strengths (3 metrics)

Total Members

engagement

Value: 27,424

Peer Median: 13,128

#89 of 1024 Top 8.6% in 100M-500M tier

241

Total Deposits

balance_sheet

Value: $277.06M

Peer Median: $170.77M

#241 of 1024 Top 23.4% in 100M-500M tier

245

Total Assets

balance_sheet

Value: $318.84M

Peer Median: $196.38M

#245 of 1024 Top 23.8% in 100M-500M tier

Top Weaknesses (14 metrics)

1018

Deposit Growth Rate

growth

Value: -9.87%

Peer Median: 3.58%

#1018 of 1024 Bottom 0.7% in 100M-500M tier

1011

Asset Growth Rate

growth

Value: -7.36%

Peer Median: 4.12%

#1011 of 1024 Bottom 1.4% in 100M-500M tier

1001

Loan-to-Member Ratio (LMR)

engagement

Value: $4,322

Peer Median: $9,434

#1001 of 1024 Bottom 2.3% in 100M-500M tier

983

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: 0.75%

#983 of 1024 Bottom 4.1% in 100M-500M tier

966

Loan-to-Share Ratio

balance_sheet

Value: 42.78%

Peer Median: 73.07%

#966 of 1024 Bottom 5.8% in 100M-500M tier

956

AMR Growth Rate

growth

Value: -3.44%

Peer Median: 3.53%

#956 of 1024 Bottom 6.7% in 100M-500M tier

951

Average Member Relationship (AMR)

engagement

Value: $14,425

Peer Median: $23,006

#951 of 1024 Bottom 7.2% in 100M-500M tier

941

Net Interest Margin (NIM)

profitability

Value: 2.82%

Peer Median: 3.67%

#941 of 1024 Bottom 8.2% in 100M-500M tier

919

Member Growth Rate

growth

Value: -4.89%

Peer Median: -0.03%

#919 of 1024 Bottom 10.4% in 100M-500M tier

910

Efficiency Ratio

profitability

Value: 90.29%

Peer Median: 77.26%

#910 of 1024 Bottom 11.2% in 100M-500M tier