BlastPoint's Credit Union Scorecard
GARDEN CITY TEACHERS
Charter #7662 · KS
GARDEN CITY TEACHERS has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Net Worth Ratio: Bottom 5.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits +8.1% year over year ($14.4M in shares and deposits).
- Membership: 2,060 members, +1.8% vs a year ago.
- Delinquency rate 0.67%.
- Return on assets 0.49%.
- Efficiency ratio 88.38% vs a 88.77% peer average.
- Loan-to-share ratio 64.72% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,060
+1.8% YoY+0.5% QoQ
|
-525 |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$15.7M
+6.9% YoY-3.0% QoQ
|
$-14.5M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$9.3M
+8.7% YoY+4.2% QoQ
|
$-6.1M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$14.4M
+8.1% YoY-3.3% QoQ
|
$-11.4M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.5%
+67.0% YoY+473.1% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
4.4%
+3.3% YoY+3.7% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
88.4%
-2.2% YoY+0.9% QoQ
|
-0.4% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.7%
+442.0% YoY+98.6% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
64.7%
+0.5% YoY+7.8% QoQ
|
+5.8% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$11,505
+6.4% YoY-1.0% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
25.1%
+23.2% YoY+3.2% QoQ
|
+0.6% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.6% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)