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
- + Net Charge-Off Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.71% below tier average
- - Efficiency ratio 40.24% above tier (higher cost structure)
- - Delinquency rate 0.58% above tier average
- - Member decline: -12.5% YoY
- - Asset Growth Rate: Bottom 2.9% in tier
- - Member Growth Rate: Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 5.0% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,760
-12.5% YoY-1.9% QoQ
|
-916 |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$6.5M
-12.6% YoY-0.2% QoQ
|
$-23.6M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$3.2M
-16.7% YoY-3.3% QoQ
|
$-12.1M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$5.9M
-11.6% YoY+0.3% QoQ
|
$-19.9M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
-1.6%
-9.7% YoY-35.5% QoQ
|
-1.7% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.0% in tier |
| NIM |
3.4%
-6.1% YoY-5.0% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
130.9%
-5.9% YoY-3.6% QoQ
|
+40.2% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate |
2.1%
-20.3% YoY+39.2% QoQ
|
+0.6 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
53.7%
-5.8% YoY-3.6% QoQ
|
-4.8% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
43% |
| AMR |
$5,170
-1.1% YoY+0.9% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.5% in tier |
| CD Concentration |
25.9%
+40.3% YoY-2.0% QoQ
|
+1.6% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 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)