BlastPoint's Credit Union Scorecard

GARDEN CITY TEACHERS

Charter #7662 · KS

2596 CUs in <100M nationally 45 in KS

GARDEN CITY TEACHERS has 2 strengths 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 0.52% above tier average
+ Net Charge-Off Rate: Top 2.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.23% below tier average
- Efficiency ratio 7.75% above tier (higher cost structure)
- Net Worth Ratio: Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	2,035 +2.0% YoY+0.5% QoQ	-590	2,625 -2.2% YoY	17,915 -2.9% YoY	33,089 +6.1% YoY	52%
Assets	$14.8M +3.4% YoY+0.6% QoQ	$-15.0M	$29.9M +1.1% YoY	$244.1M -6.9% YoY	$547.7M +7.8% YoY	41%
Loans	$8.9M +6.1% YoY+4.0% QoQ	$-6.9M	$15.8M -2.4% YoY	$175.9M -4.8% YoY	$388.7M +8.6% YoY	48%
Deposits	$13.3M +3.4% YoY+0.2% QoQ	$-12.1M	$25.5M +0.4% YoY	$209.0M -2.4% YoY	$464.6M +9.3% YoY	43%

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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	0.5% -22.6% YoY+53.3% QoQ	-0.2%	0.7% -731.4% YoY	0.7% +53.0% YoY	0.7% +273.4% YoY	34%
NIM	4.5% +4.5% YoY+3.4% QoQ	+0.5%	3.9% +3.8% YoY	4.0% +8.4% YoY	3.7% +5.0% YoY	72%
Efficiency Ratio	89.1% +5.9% YoY-1.3% QoQ	+7.7%	81.4% -2.4% YoY	77.0% -6.2% YoY	79.1% -3.3% YoY	75%
Delinquency Rate	0.7% +200.4% YoY+460.8% QoQ	-0.8	1.5% -2.0% YoY	1.2% -23.8% YoY	1.2% -0.9% YoY	51%
Loan To Share	66.8% +2.6% YoY+3.8% QoQ	+5.6%	61.2% -3.0% YoY	71.9% -2.0% YoY	68.0% -1.7% YoY	58%
AMR	$10,931 +2.4% YoY+1.1% QoQ	$-4K	$14,627 -2.7% YoY	$16,347 +1.3% YoY	$19,418 +1.3% YoY	33%
CD Concentration	21.9% +4.9% YoY+7.3% QoQ	-2.5%	24.4% +4.2% YoY	24.2% -2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.1% -87.8% YoY-37.0% QoQ	-13.9%	14.0% -5.7% YoY	12.4% -5.6% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (4 metrics)

Net Charge-Off Rate

risk

Value: -0.27%

Peer Avg: -

#54 of 2596 Top 2.0% in <100M tier

451

Member Growth Rate

growth

Value: 1.95%

Peer Avg: -

#451 of 2596 Top 17.3% in <100M tier

461

Loan Growth Rate

growth

Value: 6.08%

Peer Avg: -

#461 of 2596 Top 17.7% in <100M tier

582

Fee Income Per Member

profitability

Value: $124.06

Peer Avg: -

#582 of 2596 Top 22.4% in <100M tier

Top Weaknesses (3 metrics)

2399

Net Worth Ratio

risk

Value: 8.71%

Peer Avg: -

#2399 of 2596 Bottom 7.6% in <100M tier

2196

Indirect Auto Concentration (%)

balance_sheet

Value: 0.11%

Peer Avg: -

#2196 of 2596 Bottom 15.4% in <100M tier

1952

Efficiency Ratio

profitability

Value: 89.14%

Peer Avg: -

#1952 of 2596 Bottom 24.8% in <100M tier