BlastPoint's Credit Union Scorecard
CATHOLICS UNITED
Charter #68547 · KS
2556 CUs in <100M nationally
44 in KS
CATHOLICS UNITED has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 1.6% in tier
- + AMR Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.59% above tier average
- - Member decline: -5.9% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 1.1% in tier
- - Total Assets: Bottom 1.1% in tier
- - Total Deposits: Bottom 1.3% in tier
- - Total Loans: Bottom 1.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- - Average Member Relationship (AMR): Bottom 2.8% in tier
- - Loan-to-Share Ratio: Bottom 3.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95
-5.9% YoY-2.1% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Bottom 0.9% in tier |
| Assets |
$201,980
+2.4% YoY+1.4% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.1% in tier |
| Loans |
$26,606
+29.2% YoY-16.5% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.4% in tier |
| Deposits |
$164,698
+2.1% YoY+1.4% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.3% in tier |
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| ROA |
1.5%
+20.3% YoY-12.4% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
3.3%
-11.8% YoY-0.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
66.4%
-4.4% YoY+4.2% QoQ
|
-16.1% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
7.1%
-25.1% YoY
|
+5.6 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 3.3% in tier |
| Loan To Share |
16.2%
+26.5% YoY-17.7% QoQ
|
-44.5% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.0% in tier |
| AMR |
$2,014
+11.8% YoY+0.6% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
5
Net Charge-Off Rate
risk
Value:
-3.82%
Peer Median: -
#5 of 2556
Top 0.2% in <100M tier
43
Loan Growth Rate
growth
Value:
29.17%
Peer Median: -
#43 of 2556
Top 1.6% in <100M tier
192
AMR Growth Rate
growth
Value:
11.78%
Peer Median: -
#192 of 2556
Top 7.5% in <100M tier
411
Return on Assets (ROA)
profitability
Value:
1.51%
Peer Median: -
#411 of 2556
Top 16.0% in <100M tier
524
Efficiency Ratio
profitability
Value:
66.43%
Peer Median: -
#524 of 2556
Top 20.5% in <100M tier
Top Weaknesses (10 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2530
Total Members
engagement
Value:
95
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2528
Total Assets
balance_sheet
Value:
$201,980
Peer Median: -
#2528 of 2556
Bottom 1.1% in <100M tier
2523
Total Deposits
balance_sheet
Value:
$164,698
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2519
Total Loans
balance_sheet
Value:
$26,606
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2504
Loan-to-Member Ratio (LMR)
engagement
Value:
$280.06
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier
2485
Average Member Relationship (AMR)
engagement
Value:
$2,014
Peer Median: -
#2485 of 2556
Bottom 2.8% in <100M tier
2478
Loan-to-Share Ratio
balance_sheet
Value:
16.15%
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier
2473
Total Delinquency Rate (60+ days)
risk
Value:
7.15%
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2232
Member Growth Rate
growth
Value:
-5.94%
Peer Median: -
#2232 of 2556
Bottom 12.7% in <100M tier