MAINSTREET

Charter #24858 | KS

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in KS

MAINSTREET has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 5.4% in tier
  • + Relationship Depth Leader: Top 9.7% in tier
  • + Total Members: Top 6.5% in tier
  • + Share Certificate Concentration (%): Top 8.9% in tier
  • + AMR Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 9.1% in tier
  • - Stagnation Risk: Bottom 14.9% in tier
  • - Indirect Auto Dependency: Bottom 16.2% in tier
  • - ROA 0.07% below tier average
  • - Efficiency ratio 1.02% above tier (higher cost structure)
  • - Member decline: -4.2% YoY
  • - Average Member Relationship (AMR): Bottom 7.1% in tier
  • - Member Growth Rate: Bottom 7.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 56,115
-4.2% YoY-0.5% QoQ
 +16.4K 39,752
-2.7% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 Top 7.1% in tier
Assets $694.2M
+0.2% YoY-1.1% QoQ
 +$71.8M $622.4M
+0.3% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 Top 23.7% in tier
Loans $403.2M
+6.7% YoY+1.2% QoQ
 $-32.8M $435.9M
-0.4% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 36th in tier
Deposits $615.9M
+3.4% YoY+0.6% QoQ
 +$77.9M $538.0M
+1.3% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 Top 16.6% in tier
ROA 0.6%
+30.2% YoY+8.8% QoQ
 -0.1% 0.7%
+33.9% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 47th in tier
NIM 3.3%
+11.7% YoY+2.9% QoQ
 -0.2% 3.4%
+8.6% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 36th in tier
Efficiency Ratio 79.1%
-2.2% YoY-0.2% QoQ
 +1.0% 78.1%
-3.4% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 55th in tier
Delinquency Rate 0.3%
-38.0% YoY-32.3% QoQ
 -0.5 0.8%
-4.9% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 Bottom 13.6% in tier
Loan To Share 65.5%
+3.2% YoY+0.6% QoQ
 -15.6% 81.0%
-1.8% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 Bottom 10.7% in tier
AMR $18,161
+9.3% YoY+1.3% QoQ
 $-8K $26,482
+2.6% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 6.5% in tier
CD Concentration 16.4%
+10.1% YoY+3.5% QoQ
 -8.0% 24.4%
+4.2% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 Bottom 22.7% in tier
Indirect Auto % 33.6%
+2.6% YoY+0.7% QoQ
 +19.6% 14.0%
-5.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 Top 14.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#149 of 1006 • Top 5.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.32%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#269 of 1006 • Top 9.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.32%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Membership Headwinds

decline
#151 of 550 • Bottom 9.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.25%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#246 of 550 • Bottom 14.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.59%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.25%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.2K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 16.36%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#261 of 525 • Bottom 16.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.24%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 33.57%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -4.25%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (7 metrics)

12
Total Members
engagement
Value: 56,115
Peer Avg: 39,752
#12 of 169 Top 6.5% in 500M-750M tier
16
Share Certificate Concentration (%)
balance_sheet
Value: 16.36%
Peer Avg: 26.87%
#16 of 169 Top 8.9% in 500M-750M tier
17
AMR Growth Rate
growth
Value: 9.32%
Peer Avg: 3.12%
#17 of 169 Top 9.5% in 500M-750M tier
24
Total Delinquency Rate (60+ days)
risk
Value: 0.29%
Peer Avg: 0.80%
#24 of 169 Top 13.6% in 500M-750M tier
28
Total Deposits
balance_sheet
Value: $615.94M
Peer Avg: $538.02M
#28 of 169 Top 16.0% in 500M-750M tier
33
Members Per Employee (MPE)
engagement
Value: 395.176
Peer Avg: 338.010
#33 of 169 Top 18.9% in 500M-750M tier
40
Total Assets
balance_sheet
Value: $694.16M
Peer Avg: $622.38M
#40 of 169 Top 23.1% in 500M-750M tier

Top Weaknesses (7 metrics)

158
Average Member Relationship (AMR)
engagement
Value: $18,161
Peer Avg: $26,482
#158 of 169 Bottom 7.1% in 500M-750M tier
157
Member Growth Rate
growth
Value: -4.25%
Peer Avg: 1.75%
#157 of 169 Bottom 7.7% in 500M-750M tier
157
Loan-to-Member Ratio (LMR)
engagement
Value: $7,185
Peer Avg: $11,805
#157 of 169 Bottom 7.7% in 500M-750M tier
151
Loan-to-Share Ratio
balance_sheet
Value: 65.46%
Peer Avg: 81.02%
#151 of 169 Bottom 11.2% in 500M-750M tier
140
Indirect Auto Concentration (%)
balance_sheet
Value: 33.57%
Peer Avg: 16.19%
#140 of 169 Bottom 17.8% in 500M-750M tier
133
Asset Growth Rate
growth
Value: 0.24%
Peer Avg: 4.33%
#133 of 169 Bottom 21.9% in 500M-750M tier
128
Net Worth Ratio
risk
Value: 9.24%
Peer Avg: 10.94%
#128 of 169 Bottom 24.9% in 500M-750M tier