GOLDEN PLAINS

Charter #62542 | KS

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in KS

GOLDEN PLAINS has 8 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.33% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Total Loans: Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.9% in tier
  • + Total Members: Top 0.9% in tier
  • + Total Assets: Top 3.6% in tier
  • + Loan-to-Share Ratio: Top 6.2% in tier
  • + Total Deposits: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 10.7% in tier
  • - Institutional Decline: Bottom 12.5% in tier
  • - Liquidity Strain: Bottom 15.4% in tier
  • - Stagnation Risk: Bottom 16.8% in tier
  • - Accelerating Exit Risk: Bottom 19.8% in tier
  • - Credit Quality Pressure: Bottom 21.2% in tier
  • - Membership Headwinds: Bottom 23.1% in tier
  • - Shrinking Wallet Share: Bottom 23.9% in tier
  • - Liquidity Overhang: Bottom 34.0% in tier
  • - Indirect Auto Concentration (%): Bottom 1.8% in tier
  • - Share Certificate Concentration (%): Bottom 5.4% in tier
  • - Loan Growth Rate: Bottom 8.9% in tier
  • - Average Member Relationship (AMR): Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 86,622
-1.5% YoY+0.3% QoQ
 +34.5K 52,114
-2.1% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 Top 1.8% in tier
Assets $978.9M
-2.3% YoY+0.1% QoQ
 +$119.9M $859.0M
+0.0% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 Top 4.5% in tier
Loans $857.6M
-4.7% YoY-1.3% QoQ
 +$254.3M $603.4M
+1.0% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 Top 0.9% in tier
Deposits $844.3M
+0.6% YoY-0.4% QoQ
 +$110.1M $734.2M
+0.9% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 Top 10.7% in tier
ROA 1.0%
+86.6% YoY+13.1% QoQ
 +0.3% 0.7%
+27.6% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 73rd in tier
NIM 3.6%
+17.5% YoY+4.6% QoQ
 +0.2% 3.4%
+9.6% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 63rd in tier
Efficiency Ratio 61.4%
-6.5% YoY-1.4% QoQ
 -13.1% 74.5%
-3.2% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 13.4% in tier
Delinquency Rate 0.8%
+11.8% YoY+29.1% QoQ
 -0.1 0.8%
+5.0% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 58th in tier
Loan To Share 101.6%
-5.3% YoY-0.8% QoQ
 +18.9% 82.7%
+0.1% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 Top 7.1% in tier
AMR $19,647
-0.6% YoY-1.2% QoQ
 $-9K $28,651
+2.5% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 8.9% in tier
CD Concentration 44.0%
+2.3% YoY+1.0% QoQ
 +19.6% 24.4%
+4.2% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 Top 3.5% in tier
Indirect Auto % 71.9%
-0.8% YoY-0.6% QoQ
 +58.0% 14.0%
-5.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 Top 0.8% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (9)

Indirect Auto Dependency

risk
#172 of 525 • Bottom 10.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -2.32%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 71.92%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Institutional Decline

decline
#99 of 256 • Bottom 12.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $978.93M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -1.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -4.71%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Strain

risk
#120 of 258 • Bottom 15.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.58%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -4.71%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Stagnation Risk

risk
#278 of 550 • Bottom 16.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.04%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 43.99%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Accelerating Exit Risk

decline
#53 of 58 • Bottom 19.8% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -1.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -0.59%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 281 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Credit Quality Pressure

risk
#524 of 736 • Bottom 21.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Membership Headwinds

decline
#381 of 550 • Bottom 23.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#239 of 244 • Bottom 23.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.59%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Overhang

risk
#527 of 552 • Bottom 34.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.80%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 101.58%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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)

Comparing against 112 peers in tier

Top Strengths (9 metrics)

1
Total Loans
balance_sheet
Value: $857.62M
Peer Avg: $603.36M
#1 of 112 Top 0.0% in 750M-1B tier
2
First Mortgage Concentration (%)
balance_sheet
Value: 3.68%
Peer Avg: 33.64%
#2 of 112 Top 0.9% in 750M-1B tier
2
Total Members
engagement
Value: 86,622
Peer Avg: 52,114
#2 of 112 Top 0.9% in 750M-1B tier
5
Total Assets
balance_sheet
Value: $978.93M
Peer Avg: $859.01M
#5 of 112 Top 3.6% in 750M-1B tier
8
Loan-to-Share Ratio
balance_sheet
Value: 101.58%
Peer Avg: 82.66%
#8 of 112 Top 6.2% in 750M-1B tier
12
Total Deposits
balance_sheet
Value: $844.25M
Peer Avg: $734.17M
#12 of 112 Top 9.8% in 750M-1B tier
16
Efficiency Ratio
profitability
Value: 61.43%
Peer Avg: 74.52%
#16 of 112 Top 13.4% in 750M-1B tier
27
Members Per Employee (MPE)
engagement
Value: 401.028
Peer Avg: 361.634
#27 of 112 Top 23.2% in 750M-1B tier
29
Net Worth Ratio
risk
Value: 12.80%
Peer Avg: 11.52%
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (9 metrics)

111
Indirect Auto Concentration (%)
balance_sheet
Value: 71.92%
Peer Avg: 16.60%
#111 of 112 Bottom 1.8% in 750M-1B tier
107
Share Certificate Concentration (%)
balance_sheet
Value: 43.99%
Peer Avg: 28.34%
#107 of 112 Bottom 5.4% in 750M-1B tier
103
Loan Growth Rate
growth
Value: -4.71%
Peer Avg: 4.84%
#103 of 112 Bottom 8.9% in 750M-1B tier
102
Average Member Relationship (AMR)
engagement
Value: $19,647
Peer Avg: $28,651
#102 of 112 Bottom 9.8% in 750M-1B tier
100
Asset Growth Rate
growth
Value: -2.32%
Peer Avg: 4.25%
#100 of 112 Bottom 11.6% in 750M-1B tier
97
Deposit Growth Rate
growth
Value: 0.64%
Peer Avg: 5.03%
#97 of 112 Bottom 14.3% in 750M-1B tier
93
AMR Growth Rate
growth
Value: -0.59%
Peer Avg: 4.90%
#93 of 112 Bottom 17.9% in 750M-1B tier
89
Member Growth Rate
growth
Value: -1.55%
Peer Avg: 1.14%
#89 of 112 Bottom 21.4% in 750M-1B tier
88
Fee Income Per Member
profitability
Value: $146.83
Peer Avg: $204.75
#88 of 112 Bottom 22.3% in 750M-1B tier