BlastPoint's Credit Union Scorecard
SUNFLOWER COMMUNITY
Charter #7610 · KS
SUNFLOWER COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.78% above tier average
- - Net Worth Ratio: Bottom 5.1% in tier
- - Share Certificate Concentration (%): Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,488
+0.8% YoY+0.6% QoQ
|
+872 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$32.0M
+4.4% YoY+2.6% QoQ
|
+$1.8M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$22.8M
+5.3% YoY+2.4% QoQ
|
+$7.0M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$29.3M
+3.8% YoY+2.6% QoQ
|
+$3.7M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.9%
+153.5% YoY+7.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
4.1%
+18.1% YoY+1.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
73.4%
-8.1% YoY-0.8% QoQ
|
-9.1% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
3.3%
+41.0% YoY+37.9% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 11.4% in tier |
| Loan To Share |
77.6%
+1.4% YoY-0.2% QoQ
|
+17.0% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$14,944
+3.6% YoY+1.9% QoQ
|
+$161 |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
44.3%
-5.1% YoY-2.5% QoQ
|
+19.8% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)