OLATHE
Charter #12608 | CO
<100M
(2596 CUs)
Micro
($0-$500M)
29 <100M in CO
OLATHE has 9 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Strong member growth: 6.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 0.4% in tier
- + Asset Growth Rate: Top 0.5% in tier
- + AMR Growth Rate: Top 2.0% in tier
- + Member Growth Rate: Top 5.2% in tier
- + Loan Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.09% above tier average
- - Share Certificate Concentration (%): Bottom 0.2% in tier
- - Net Worth Ratio: Bottom 0.8% in tier
- - Total Members: Bottom 7.5% in tier
- - Total Assets: Bottom 7.9% in tier
- - Total Deposits: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
279
+6.9% YoY+1.5% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Bottom 7.4% in tier |
| Assets |
$1.5M
+43.0% YoY+9.8% QoQ
|
$-28.3M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.9% in tier |
| Loans |
$1.1M
+14.2% YoY+10.3% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.2% in tier |
| Deposits |
$1.4M
+45.1% YoY+10.5% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.2% in tier |
| ROA |
0.8%
-201.5% YoY-38.6% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
50th in tier |
| NIM |
3.0%
+14.6% YoY-14.2% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 17.5% in tier |
| Efficiency Ratio |
76.3%
-18.6% YoY+14.7% QoQ
|
-5.1% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
45th in tier |
| Delinquency Rate |
1.6%
+1738.4% YoY+175.3% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
74th in tier |
| Loan To Share |
77.3%
-21.3% YoY-0.2% QoQ
|
+16.0% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$9,198
+21.4% YoY+8.8% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 24.9% in tier |
| CD Concentration |
91.0%
+5.8% YoY+1.5% QoQ
|
+66.6% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
12
Deposit Growth Rate
growth
Value:
45.14%
Peer Avg: 16.80%
#12 of 2596
Top 0.4% in <100M tier
14
Asset Growth Rate
growth
Value:
43.04%
Peer Avg: 1.82%
#14 of 2596
Top 0.5% in <100M tier
54
AMR Growth Rate
growth
Value:
21.44%
Peer Avg: 4.67%
#54 of 2596
Top 2.0% in <100M tier
137
Member Growth Rate
growth
Value:
6.90%
Peer Avg: 14.92%
#137 of 2596
Top 5.2% in <100M tier
170
Loan Growth Rate
growth
Value:
14.20%
Peer Avg: 59.01%
#170 of 2596
Top 6.5% in <100M tier
Top Weaknesses (9 metrics)
2591
Share Certificate Concentration (%)
balance_sheet
Value:
90.99%
Peer Avg: 15.37%
#2591 of 2596
Bottom 0.2% in <100M tier
2575
Net Worth Ratio
risk
Value:
5.92%
Peer Avg: 16.43%
#2575 of 2596
Bottom 0.8% in <100M tier
2403
Total Members
engagement
Value:
279
Peer Avg: 2,626
#2403 of 2596
Bottom 7.5% in <100M tier
2392
Total Assets
balance_sheet
Value:
$1.54M
Peer Avg: $29.86M
#2392 of 2596
Bottom 7.9% in <100M tier
2357
Total Deposits
balance_sheet
Value:
$1.45M
Peer Avg: $25.45M
#2357 of 2596
Bottom 9.2% in <100M tier
2280
Total Loans
balance_sheet
Value:
$1.12M
Peer Avg: $15.77M
#2280 of 2596
Bottom 12.2% in <100M tier
2141
Net Interest Margin (NIM)
profitability
Value:
2.98%
Peer Avg: 3.93%
#2141 of 2596
Bottom 17.6% in <100M tier
2089
Fee Income Per Member
profitability
Value:
$10.80
Peer Avg: $182.96
#2089 of 2596
Bottom 19.6% in <100M tier
1950
Average Member Relationship (AMR)
engagement
Value:
$9,198
Peer Avg: $14,627
#1950 of 2596
Bottom 24.9% in <100M tier