BlastPoint's Credit Union Scorecard
SUNFLOWER
Charter #3868 · KS
<100M
2508 CUs in <100M nationally
43 in KS
SUNFLOWER has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.65% above tier average
- + Net Charge-Off Rate: Top 0.7% in tier
- + Loan-to-Share Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 2.63% below tier average
- - Efficiency ratio 42.31% above tier (higher cost structure)
- - Delinquency rate 9.70% above tier average
- - Total Members: Bottom 1.4% in tier
- - Total Assets: Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Total Deposits: Bottom 2.3% in tier
- - Total Loans: Bottom 5.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
101
0% YoY+1.0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
Bottom 1.2% in tier |
| Assets |
$344,357
+1.5% YoY+2.3% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.8% in tier |
| Loans |
$281,744
-8.8% YoY-0.6% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.1% in tier |
| Deposits |
$299,988
+1.3% YoY+2.8% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.2% in tier |
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| ROA |
-2.5%
+116.7% YoY+888.9% QoQ
|
-2.6% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.8% in tier |
| NIM |
6.7%
-19.4% YoY-12.6% QoQ
|
+2.6% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
132.9%
+18.1% YoY+18.7% QoQ
|
+42.3% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate |
11.2%
+66.6% YoY+20.7% QoQ
|
+9.7 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.0% in tier |
| Loan To Share |
93.9%
-10.0% YoY-3.3% QoQ
|
+35.4% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 5.7% in tier |
| AMR |
$5,760
-3.9% YoY+0.1% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
19
Net Charge-Off Rate
risk
Value:
-1.83%
Peer Median: 0.07%
#19 of 2508
Top 0.7% in <100M tier
46
Net Interest Margin (NIM)
profitability
Value:
6.66%
Peer Median: 3.83%
#46 of 2508
Top 1.8% in <100M tier
141
Loan-to-Share Ratio
balance_sheet
Value:
93.92%
Peer Median: 58.72%
#141 of 2508
Top 5.6% in <100M tier
Top Weaknesses (11 metrics)
2475
Total Members
engagement
Value:
101
Peer Median: 1,918
#2475 of 2508
Bottom 1.4% in <100M tier
2464
Total Assets
balance_sheet
Value:
$344,357
Peer Median: $21.86M
#2464 of 2508
Bottom 1.8% in <100M tier
2459
Total Delinquency Rate (60+ days)
risk
Value:
11.20%
Peer Median: 0.65%
#2459 of 2508
Bottom 2.0% in <100M tier
2452
Total Deposits
balance_sheet
Value:
$299,988
Peer Median: $18.77M
#2452 of 2508
Bottom 2.3% in <100M tier
2412
Return on Assets (ROA)
profitability
Value:
-2.48%
Peer Median: 0.61%
#2412 of 2508
Bottom 3.9% in <100M tier
2403
Efficiency Ratio
profitability
Value:
132.94%
Peer Median: 81.45%
#2403 of 2508
Bottom 4.2% in <100M tier
2379
Total Loans
balance_sheet
Value:
$281,744
Peer Median: $9.48M
#2379 of 2508
Bottom 5.2% in <100M tier
2348
Members Per Employee (MPE)
engagement
Value:
101.000
Peer Median: 333.750
#2348 of 2508
Bottom 6.4% in <100M tier
2231
Average Member Relationship (AMR)
engagement
Value:
$5,760
Peer Median: $13,926
#2231 of 2508
Bottom 11.1% in <100M tier
1978
AMR Growth Rate
growth
Value:
-3.86%
Peer Median: 1.27%
#1978 of 2508
Bottom 21.2% in <100M tier