BlastPoint's Credit Union Scorecard
GREAT PLAINS
Charter #6853 · MO
GREAT PLAINS has 1 strength but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 30.1% in tier
- - Stagnation Risk: Bottom 30.2% in tier
- - Accelerating Exit Risk: Bottom 30.9% in tier
- - Efficiency Drag: Bottom 32.6% in tier
- - Shrinking Wallet Share: Bottom 39.6% in tier
- - Indirect Auto Dependency: Bottom 62.4% in tier
- - Membership Headwinds: Bottom 69.6% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 29.72% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.7% in tier
- - Net Charge-Off Rate: Bottom 2.4% in tier
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,478
-1.7% YoY-0.7% QoQ
|
+13.0K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 8.0% in tier |
| Assets |
$326.6M
+1.1% YoY-3.8% QoQ
|
+$94.7M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$112.9M
-13.8% YoY-4.3% QoQ
|
$-34.5M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$285.7M
-0.9% YoY-4.5% QoQ
|
+$84.9M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.1%
-104.1% YoY-33.7% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.5% in tier |
| NIM |
2.2%
+8.9% YoY+9.3% QoQ
|
-1.4% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
106.7%
-8.5% YoY-1.8% QoQ
|
+29.7% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 1.3% in tier |
| Delinquency Rate |
0.8%
-46.4% YoY-1.5% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
39.5%
-13.0% YoY+0.2% QoQ
|
-32.7% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.1% in tier |
| AMR |
$13,996
-3.3% YoY-3.8% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.5% in tier |
| CD Concentration |
37.1%
-3.1% YoY-6.5% QoQ
|
+12.7% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
30.6%
-11.7% YoY-2.0% QoQ
|
+16.8% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)