BlastPoint's Credit Union Scorecard

GREAT PLAINS

Charter #6853 · MO

1077 CUs in 100M-500M nationally 24 in MO

GREAT PLAINS has 1 strength but faces 14 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 8.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 8.0% in tier
- Efficiency Drag: Bottom 8.8% in tier
- Institutional Decline: Bottom 11.9% in tier
- Membership Headwinds: Bottom 25.6% in tier
- Stagnation Risk: Bottom 33.1% in tier
- ROA 0.66% below tier average
- Efficiency ratio 31.40% above tier (higher cost structure)
- Net Charge-Off Rate: Bottom 1.9% in tier
- Loan Growth Rate: Bottom 2.2% in tier
- Net Interest Margin (NIM): Bottom 2.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- Loan-to-Share Ratio: Bottom 4.4% in tier
- Share Certificate Concentration (%): Bottom 8.2% in tier
- Average Member Relationship (AMR): Bottom 8.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	28,677 -1.3% YoY-0.5% QoQ	+13.0K	15,628 -3.4% YoY	15,920 +4.0% YoY	33,089 +6.1% YoY	Top 8.5% in tier
Assets	$339.4M +5.1% YoY-1.4% QoQ	+$108.1M	$231.3M -0.0% YoY	$210.9M +9.4% YoY	$547.7M +7.8% YoY	80%
Loans	$118.0M -12.4% YoY-4.3% QoQ	$-29.8M	$147.8M -1.4% YoY	$147.8M +9.0% YoY	$388.7M +8.6% YoY	46%
Deposits	$299.1M +5.5% YoY-2.7% QoQ	+$98.9M	$200.3M -0.0% YoY	$183.9M +12.2% YoY	$464.6M +9.3% YoY	81%

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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% -107.9% YoY-112.4% QoQ	-0.7%	0.8% +15.5% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	Bottom 11.0% in tier
NIM	2.0% -1.5% YoY+7.2% QoQ	-1.6%	3.6% +6.9% YoY	3.8% +3.2% YoY	3.7% +5.0% YoY	Bottom 2.2% in tier
Efficiency Ratio	108.7% -5.0% YoY-15.6% QoQ	+31.4%	77.3% -3.0% YoY	78.5% -6.5% YoY	79.1% -3.3% YoY	Top 0.9% in tier
Delinquency Rate	0.8% -55.2% YoY+2.0% QoQ	-0.1	0.9% +7.6% YoY	1.2% +9.9% YoY	1.2% -0.9% YoY	60%
Loan To Share	39.4% -16.9% YoY-1.7% QoQ	-33.3%	72.7% -1.5% YoY	72.3% -3.7% YoY	68.0% -1.7% YoY	Bottom 4.3% in tier
AMR	$14,546 +1.0% YoY-2.6% QoQ	$-10K	$24,363 +2.9% YoY	$16,810 +3.4% YoY	$19,418 +1.3% YoY	Bottom 8.4% in tier
CD Concentration	39.7% +15.0% YoY-4.5% QoQ	+15.3%	24.4% +4.2% YoY	18.1% +9.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	31.2% -11.9% YoY-3.9% QoQ	+17.3%	14.0% -5.7% YoY	10.3% -9.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#130 of 525 • Bottom 8.0% in tier

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

Why This Signature

Asset Growth (YoY): 5.10%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 31.24%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.33%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk

#157 of 521 • Bottom 8.8% in tier

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

Why This Signature

Efficiency Ratio: 108.68%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 1.79% points

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

but better than tier avg

Member Growth (YoY): -1.33%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Institutional Decline

decline

#95 of 256 • Bottom 11.9% in tier

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

Why This Signature

Total Assets: $339.43M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -1.33%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -12.40%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline

#422 of 550 • Bottom 25.6% in tier

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

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#545 of 550 • Bottom 33.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -12.40%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.81%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 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 (3 metrics)

Total Members

engagement

Value: 28,677

Peer Avg: -

#92 of 1077 Top 8.4% in 100M-500M tier

203

Total Deposits

balance_sheet

Value: $299.14M

Peer Avg: -

#203 of 1077 Top 18.8% in 100M-500M tier

215

Total Assets

balance_sheet

Value: $339.43M

Peer Avg: -

#215 of 1077 Top 19.9% in 100M-500M tier

Top Weaknesses (11 metrics)

1068

Efficiency Ratio

profitability

Value: 108.68%

Peer Avg: -

#1068 of 1077 Bottom 0.9% in 100M-500M tier

1057

Net Charge-Off Rate

risk

Value: 1.83%

Peer Avg: -

#1057 of 1077 Bottom 1.9% in 100M-500M tier

1054

Loan Growth Rate

growth

Value: -12.40%

Peer Avg: -

#1054 of 1077 Bottom 2.2% in 100M-500M tier

1053

Net Interest Margin (NIM)

profitability

Value: 2.01%

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

1053

Loan-to-Member Ratio (LMR)

engagement

Value: $4,115

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

1031

Loan-to-Share Ratio

balance_sheet

Value: 39.45%

Peer Avg: -

#1031 of 1077 Bottom 4.4% in 100M-500M tier

990

Share Certificate Concentration (%)

balance_sheet

Value: 39.68%

Peer Avg: -

#990 of 1077 Bottom 8.2% in 100M-500M tier

986

Average Member Relationship (AMR)

engagement

Value: $14,546

Peer Avg: -

#986 of 1077 Bottom 8.5% in 100M-500M tier

958

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Avg: -

#958 of 1077 Bottom 11.1% in 100M-500M tier

908

Indirect Auto Concentration (%)

balance_sheet

Value: 31.24%

Peer Avg: -

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