BlastPoint's Credit Union Scorecard

GARDEN CITY TEACHERS

Charter #7662 · KS

2556 CUs in <100M nationally 44 in KS

GARDEN CITY TEACHERS has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.33% above tier average

Key Concerns

Areas that may need attention

- ROA 0.44% below tier average
- Efficiency ratio 9.23% above tier (higher cost structure)
- Net Worth Ratio: Bottom 4.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	2,048 +2.8% YoY+0.6% QoQ	-567	2,615 -1.9% YoY	12,209 -35.0% YoY	33,374 +5.7% YoY	52%
Assets	$16.1M +7.2% YoY+8.7% QoQ	$-14.1M	$30.1M +2.1% YoY	$164.3M -37.3% YoY	$561.6M +9.7% YoY	43%
Loans	$8.7M +6.8% YoY-1.9% QoQ	$-7.0M	$15.8M -1.3% YoY	$120.8M -36.2% YoY	$397.0M +8.8% YoY	47%
Deposits	$14.7M +7.9% YoY+10.4% QoQ	$-11.0M	$25.7M +1.4% YoY	$139.5M -36.6% YoY	$477.3M +9.7% YoY	45%

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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% -62.3% YoY-59.3% QoQ	-0.4%	0.6% +10.8% YoY	0.6% +32.6% YoY	0.7% +15.9% YoY	25%
NIM	4.3% +3.6% YoY-3.9% QoQ	+0.3%	4.0% +4.0% YoY	4.0% +7.1% YoY	3.8% +5.1% YoY	66%
Efficiency Ratio	91.8% +6.3% YoY+3.0% QoQ	+9.2%	82.6% -2.3% YoY	78.8% -6.8% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	0.8% +45.3% YoY+17.5% QoQ	-0.7	1.6% -3.1% YoY	1.5% -6.0% YoY	1.3% -2.1% YoY	54%
Loan To Share	59.3% -1.0% YoY-11.2% QoQ	-1.3%	60.6% -3.1% YoY	71.6% -2.2% YoY	67.4% -1.7% YoY	48%
AMR	$11,456 +4.6% YoY+4.8% QoQ	$-3K	$14,783 -1.4% YoY	$16,403 +0.2% YoY	$19,687 +2.0% YoY	36%
CD Concentration	21.3% +8.9% YoY-2.6% QoQ	-3.1%	24.4%	24.6%	19.8%	50%
Indirect Auto %	0.0% -98.9% YoY-94.3% QoQ	-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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (5 metrics)

293

Member Growth Rate

growth

Value: 2.81%

Peer Median: -

#293 of 2556 Top 11.4% in <100M tier

362

Deposit Growth Rate

growth

Value: 7.90%

Peer Median: -

#362 of 2556 Top 14.1% in <100M tier

419

Asset Growth Rate

growth

Value: 7.15%

Peer Median: -

#419 of 2556 Top 16.4% in <100M tier

419

Loan Growth Rate

growth

Value: 6.82%

Peer Median: -

#419 of 2556 Top 16.4% in <100M tier

592

Fee Income Per Member

profitability

Value: $123.62

Peer Median: -

#592 of 2556 Top 23.1% in <100M tier

Top Weaknesses (4 metrics)

2449

Net Worth Ratio

risk

Value: 7.86%

Peer Median: -

#2449 of 2556 Bottom 4.2% in <100M tier

2141

Indirect Auto Concentration (%)

balance_sheet

Value: 0.01%

Peer Median: -

#2141 of 2556 Bottom 16.3% in <100M tier

1994

Efficiency Ratio

profitability

Value: 91.79%

Peer Median: -

#1994 of 2556 Bottom 22.0% in <100M tier

1927

Return on Assets (ROA)

profitability

Value: 0.18%

Peer Median: -

#1927 of 2556 Bottom 24.6% in <100M tier