BlastPoint's Credit Union Scorecard
SUNFLOWER
Charter #3868 · KS
SUNFLOWER has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 3.24% above tier average
- + Net Charge-Off Rate: Top 0.4% in tier
- + Loan-to-Share Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 32.71% above tier (higher cost structure)
- - Delinquency rate 9.59% above tier average
- - Total Members: Bottom 1.3% in tier
- - Total Assets: Bottom 1.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- - Total Deposits: Bottom 2.1% in tier
- - Total Loans: Bottom 4.8% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -5.8% year over year ($279K in shares and deposits).
- Membership: 100 members, +1.0% vs a year ago.
- Delinquency rate 11.13%.
- Return on assets 1.73%.
- Efficiency ratio 121.48% vs a 88.77% peer average.
- Loan-to-share ratio 93.64% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
100
+1.0% YoY-1.0% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
Bottom 1.1% in tier |
| Assets |
$321,508
-5.1% YoY-6.6% QoQ
|
$-30.0M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.5% in tier |
| Loans |
$261,109
-13.8% YoY-7.3% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.8% in tier |
| Deposits |
$278,842
-5.8% YoY-7.0% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.1% in tier |
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| ROA |
1.7%
-219.0% YoY-170.0% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
Top 14.2% in tier |
| NIM |
7.1%
-8.1% YoY+7.2% QoQ
|
+3.2% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
121.5%
+3.8% YoY-8.6% QoQ
|
+32.7% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate |
11.1%
+15.7% YoY-0.6% QoQ
|
+9.6 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.9% in tier |
| Loan To Share |
93.6%
-8.5% YoY-0.3% QoQ
|
+34.7% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
Top 6.3% in tier |
| AMR |
$5,400
-10.7% YoY-6.3% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)