BlastPoint's Credit Union Scorecard
SUNFLOWER
Charter #3868 · KS
2596 CUs in <100M nationally
45 in KS
SUNFLOWER has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.69% 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 0.8% in tier
- + Loan-to-Share Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.75% below tier average
- - Efficiency ratio 31.24% above tier (higher cost structure)
- - Delinquency rate 10.96% above tier average
- - Total Members: Bottom 1.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- - Total Assets: Bottom 2.2% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Total Loans: Bottom 5.5% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
100
-1.0% YoY+1.0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Bottom 1.2% in tier |
| Assets |
$362,901
-0.2% YoY+7.1% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.1% in tier |
| Loans |
$316,085
-9.7% YoY+4.4% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.4% in tier |
| Deposits |
$319,440
+0.4% YoY+7.9% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.6% in tier |
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| ROA |
-1.1%
-40.0% YoY-26.5% QoQ
|
-1.8% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.3% in tier |
| NIM |
7.6%
+3.7% YoY-1.8% QoQ
|
+3.7% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
112.6%
+12.6% YoY-3.7% QoQ
|
+31.2% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 5.7% in tier |
| Delinquency Rate |
12.5%
+6.1% YoY+29.6% QoQ
|
+11.0 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Top 1.9% in tier |
| Loan To Share |
98.9%
-10.1% YoY-3.3% QoQ
|
+37.7% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 4.8% in tier |
| AMR |
$6,355
-3.9% YoY+5.1% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
19
Net Interest Margin (NIM)
profitability
Value:
7.63%
Peer Avg: -
#19 of 2596
Top 0.7% in <100M tier
23
Net Charge-Off Rate
risk
Value:
-0.62%
Peer Avg: -
#23 of 2596
Top 0.8% in <100M tier
121
Loan-to-Share Ratio
balance_sheet
Value:
98.95%
Peer Avg: -
#121 of 2596
Top 4.6% in <100M tier
Top Weaknesses (11 metrics)
2562
Total Members
engagement
Value:
100
Peer Avg: -
#2562 of 2596
Bottom 1.3% in <100M tier
2548
Total Delinquency Rate (60+ days)
risk
Value:
12.47%
Peer Avg: -
#2548 of 2596
Bottom 1.9% in <100M tier
2541
Total Assets
balance_sheet
Value:
$362,901
Peer Avg: -
#2541 of 2596
Bottom 2.2% in <100M tier
2529
Total Deposits
balance_sheet
Value:
$319,440
Peer Avg: -
#2529 of 2596
Bottom 2.6% in <100M tier
2459
Return on Assets (ROA)
profitability
Value:
-1.07%
Peer Avg: -
#2459 of 2596
Bottom 5.3% in <100M tier
2455
Total Loans
balance_sheet
Value:
$316,085
Peer Avg: -
#2455 of 2596
Bottom 5.5% in <100M tier
2449
Efficiency Ratio
profitability
Value:
112.64%
Peer Avg: -
#2449 of 2596
Bottom 5.7% in <100M tier
2437
Members Per Employee (MPE)
engagement
Value:
100.000
Peer Avg: -
#2437 of 2596
Bottom 6.2% in <100M tier
2260
Average Member Relationship (AMR)
engagement
Value:
$6,355
Peer Avg: -
#2260 of 2596
Bottom 13.0% in <100M tier
2057
AMR Growth Rate
growth
Value:
-3.94%
Peer Avg: -
#2057 of 2596
Bottom 20.8% in <100M tier