BlastPoint's Credit Union Scorecard
SUNFLOWER
Charter #3868 · KS
2556 CUs in <100M nationally
44 in KS
SUNFLOWER has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.7% in tier
- + Loan-to-Share Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Efficiency ratio 29.49% above tier (higher cost structure)
- - Delinquency rate 7.73% above tier average
- - Total Members: Bottom 1.3% in tier
- - Total Assets: Bottom 1.8% in tier
- - Total Deposits: Bottom 2.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Total Loans: Bottom 4.9% in tier
- - Members Per Employee (MPE): Bottom 6.1% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
100
-2.0% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Bottom 1.1% in tier |
| Assets |
$336,483
-7.0% YoY-7.3% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.7% in tier |
| Loans |
$283,402
-14.9% YoY-10.3% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.8% in tier |
| Deposits |
$291,779
-8.0% YoY-8.7% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.2% in tier |
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| ROA |
-0.3%
-81.4% YoY-76.6% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.6% in tier |
| NIM |
7.6%
+1.1% YoY-0.2% QoQ
|
+3.7% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
112.0%
+12.1% YoY-0.5% QoQ
|
+29.5% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Top 5.8% in tier |
| Delinquency Rate |
9.3%
-13.8% YoY-25.6% QoQ
|
+7.7 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 2.5% in tier |
| Loan To Share |
97.1%
-7.5% YoY-1.8% QoQ
|
+36.5% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 5.6% in tier |
| AMR |
$5,752
-9.8% YoY-9.5% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
17
Net Interest Margin (NIM)
profitability
Value:
7.61%
Peer Median: -
#17 of 2556
Top 0.6% in <100M tier
18
Net Charge-Off Rate
risk
Value:
-0.94%
Peer Median: -
#18 of 2556
Top 0.7% in <100M tier
140
Loan-to-Share Ratio
balance_sheet
Value:
97.13%
Peer Median: -
#140 of 2556
Top 5.4% in <100M tier
Top Weaknesses (14 metrics)
2525
Total Members
engagement
Value:
100
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2512
Total Assets
balance_sheet
Value:
$336,483
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2499
Total Deposits
balance_sheet
Value:
$291,779
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2492
Total Delinquency Rate (60+ days)
risk
Value:
9.28%
Peer Median: -
#2492 of 2556
Bottom 2.5% in <100M tier
2433
Total Loans
balance_sheet
Value:
$283,402
Peer Median: -
#2433 of 2556
Bottom 4.9% in <100M tier
2409
Efficiency Ratio
profitability
Value:
112.05%
Peer Median: -
#2409 of 2556
Bottom 5.8% in <100M tier
2401
Members Per Employee (MPE)
engagement
Value:
100.000
Peer Median: -
#2401 of 2556
Bottom 6.1% in <100M tier
2386
AMR Growth Rate
growth
Value:
-9.77%
Peer Median: -
#2386 of 2556
Bottom 6.7% in <100M tier
2328
Asset Growth Rate
growth
Value:
-6.96%
Peer Median: -
#2328 of 2556
Bottom 9.0% in <100M tier
2291
Loan Growth Rate
growth
Value:
-14.91%
Peer Median: -
#2291 of 2556
Bottom 10.4% in <100M tier