BlastPoint's Credit Union Scorecard

GREAT PLAINS

Charter #6853 · MO

100M-500M

1070 CUs in 100M-500M nationally 25 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 7.7% in tier

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.52% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	28,251 -2.3% YoY-0.8% QoQ	+13.1K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	Top 7.8% in tier
Assets	$323.2M -4.9% YoY-1.0% QoQ	+$91.5M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	76%
Loans	$110.6M -12.6% YoY-2.0% QoQ	$-33.5M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	44%
Deposits	$282.2M -7.1% YoY-1.2% QoQ	+$81.1M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	77%

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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	0.2% -124.2% YoY+139.5% QoQ	-0.5%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	17%
NIM	2.8% +50.0% YoY+25.6% QoQ	-0.9%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	Bottom 7.9% in tier
Efficiency Ratio	81.9% -37.1% YoY-23.3% QoQ	+3.8%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.5% -45.1% YoY-35.9% QoQ	-0.3	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	42%
Loan To Share	39.2% -5.9% YoY-0.8% QoQ	-31.2%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	Bottom 4.1% in tier
AMR	$13,905 -6.6% YoY-0.7% QoQ	$-11K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	Bottom 5.3% in tier
CD Concentration	34.9% -12.9% YoY-5.9% QoQ	+10.6%	24.3%	18.1%	19.8%	50%
Indirect Auto %	28.7% -4.0% YoY-6.2% QoQ	+14.9%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Accelerating Exit Risk

decline

#8 of 53 • 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): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -6.57%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Shrinking Wallet Share

decline

#43 of 238 • 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): -6.57%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Institutional Decline

decline

#58 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: $323.23M

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

worse than tier avg

Member Growth (YoY): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -12.62%

(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

Stagnation Risk

risk

#151 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): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -12.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.51%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

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

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

Membership Headwinds

decline

#319 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): -2.33%

(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

Indirect Auto Dependency

risk

#386 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): -4.89%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 28.70%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.33%

(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

Efficiency Drag

risk

#560 of 596 • 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: 81.87%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 1.08% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.33%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 (3 metrics)

Total Members

engagement

Value: 28,251

Peer Median: 13,200

#83 of 1070 Top 7.7% in 100M-500M tier

246

Total Deposits

balance_sheet

Value: $282.22M

Peer Median: $171.29M

#246 of 1070 Top 22.9% in 100M-500M tier

252

Total Assets

balance_sheet

Value: $323.23M

Peer Median: $196.57M

#252 of 1070 Top 23.5% in 100M-500M tier

Top Weaknesses (13 metrics)

1061

Loan Growth Rate

growth

Value: -12.62%

Peer Median: 2.93%

#1061 of 1070 Bottom 0.9% in 100M-500M tier

1053

Loan-to-Member Ratio (LMR)

engagement

Value: $3,915

Peer Median: $9,356

#1053 of 1070 Bottom 1.7% in 100M-500M tier

1050

Deposit Growth Rate

growth

Value: -7.13%

Peer Median: 3.30%

#1050 of 1070 Bottom 2.0% in 100M-500M tier

1036

Asset Growth Rate

growth

Value: -4.89%

Peer Median: 3.91%

#1036 of 1070 Bottom 3.3% in 100M-500M tier

1031

AMR Growth Rate

growth

Value: -6.57%

Peer Median: 3.46%

#1031 of 1070 Bottom 3.7% in 100M-500M tier

1026

Loan-to-Share Ratio

balance_sheet

Value: 39.19%

Peer Median: 71.88%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

1013

Average Member Relationship (AMR)

engagement

Value: $13,905

Peer Median: $22,931

#1013 of 1070 Bottom 5.4% in 100M-500M tier

985

Net Interest Margin (NIM)

profitability

Value: 2.76%

Peer Median: 3.62%

#985 of 1070 Bottom 8.0% in 100M-500M tier

922

Share Certificate Concentration (%)

balance_sheet

Value: 34.91%

Peer Median: 23.10%

#922 of 1070 Bottom 13.9% in 100M-500M tier

903

Net Charge-Off Rate

risk

Value: 0.83%

Peer Median: 0.35%

#903 of 1070 Bottom 15.7% in 100M-500M tier