BlastPoint's Credit Union Scorecard
KC FAIRFAX
Charter #5589 · KS
KC FAIRFAX has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.04% below tier average
- - Efficiency ratio 53.18% above tier (higher cost structure)
- - Member decline: -10.3% YoY
- - Asset Growth Rate: Bottom 3.9% in tier
- - Member Growth Rate: Bottom 5.2% in tier
- - Deposit Growth Rate: Bottom 8.0% in tier
- - Net Charge-Off Rate: Bottom 9.2% in tier
- - Average Member Relationship (AMR): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,794
-10.3% YoY-3.4% QoQ
|
-821 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$6.6M
-10.6% YoY-6.9% QoQ
|
$-23.6M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$3.3M
-13.8% YoY-10.7% QoQ
|
$-12.5M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$5.9M
-9.3% YoY-7.1% QoQ
|
$-19.8M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
-2.4%
+94.7% YoY-17.8% QoQ
|
-3.0% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.5% in tier |
| NIM |
3.6%
+4.1% YoY+17.2% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
135.7%
+7.1% YoY-12.6% QoQ
|
+53.2% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.6% in tier |
| Delinquency Rate |
1.5%
-82.7% YoY+46.3% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
55.8%
-5.0% YoY-3.9% QoQ
|
-4.9% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$5,123
-0.8% YoY-5.2% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.6% in tier |
| CD Concentration |
26.4%
+6.1% YoY+5.3% QoQ
|
+2.0% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)