BlastPoint's Credit Union Scorecard
KC FAIRFAX
Charter #5589 · KS
KC FAIRFAX has 1 strength but faces 5 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 3.63% below tier average
- - Efficiency ratio 73.97% above tier (higher cost structure)
- - Member decline: -7.4% YoY
- - Net Charge-Off Rate: Bottom 5.8% in tier
- - Member Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,857
-7.4% YoY-7.3% QoQ
|
-768 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$7.0M
-3.5% YoY-1.8% QoQ
|
$-22.8M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$3.7M
-2.3% YoY+0.8% QoQ
|
$-12.1M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$6.4M
-2.9% YoY-2.3% QoQ
|
$-19.1M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
-2.9%
+56.1% YoY-29.8% QoQ
|
-3.6% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.2% in tier |
| NIM |
3.1%
-6.5% YoY-5.8% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
155.4%
+16.8% YoY+6.2% QoQ
|
+74.0% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.4% in tier |
| Delinquency Rate |
1.0%
-73.2% YoY-82.8% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
58.0%
+0.6% YoY+3.1% QoQ
|
-3.2% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$5,405
+5.1% YoY+6.6% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
25.1%
+65.0% YoY+0.6% QoQ
|
+0.7% |
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)
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)