BlastPoint's Credit Union Scorecard
KC FAIRFAX
Charter #5589 · KS
KC FAIRFAX has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Net Charge-Off Rate: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 50.83% above tier (higher cost structure)
- - Member decline: -13.8% YoY
- - Member Growth Rate: Bottom 3.5% in tier
- - Net Worth Ratio: Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 9.9% 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 -4.9% year over year ($6.2M in shares and deposits).
- Membership: 1,727 members, -13.8% vs a year ago.
- Delinquency rate 0.96%.
- Return on assets 2.24%.
- Efficiency ratio 139.60% vs a 88.77% peer average.
- Loan-to-share ratio 51.09% 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 |
1,727
-13.8% YoY-1.9% QoQ
|
-858 |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$6.8M
-5.7% YoY+3.3% QoQ
|
$-23.5M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$3.2M
-13.7% YoY-0.7% QoQ
|
$-12.3M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$6.2M
-4.9% YoY+4.4% QoQ
|
$-19.6M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
2.2%
-153.4% YoY-243.5% QoQ
|
+0.7% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
Top 7.3% in tier |
| NIM |
3.2%
-2.1% YoY-6.6% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
139.6%
-4.5% YoY+6.7% QoQ
|
+50.8% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
1.0%
-83.9% YoY-53.8% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
51.1%
-9.2% YoY-4.9% QoQ
|
-7.8% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$5,408
+6.7% YoY+4.6% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.8% in tier |
| CD Concentration |
24.3%
-2.7% YoY-6.3% QoQ
|
-0.3% | 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)