TOPEKA FIREMEN'S
Charter #63042 | KS
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in KS
TOPEKA FIREMEN'S has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 2.5% in tier
- + Net Charge-Off Rate: Top 5.1% in tier
- + Deposit Growth Rate: Top 5.3% in tier
- + Efficiency Ratio: Top 6.7% in tier
- + Asset Growth Rate: Top 7.7% in tier
- + Net Worth Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.8% YoY
- - Share Certificate Concentration (%): Bottom 1.2% in tier
- - Member Growth Rate: Bottom 7.2% in tier
- - Net Interest Margin (NIM): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
886
-8.8% YoY-1.0% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
26th in tier |
| Assets |
$11.3M
+10.4% YoY+6.3% QoQ
|
$-18.6M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
35th in tier |
| Loans |
$5.6M
+4.5% YoY+0.5% QoQ
|
$-10.2M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
37th in tier |
| Deposits |
$8.3M
+12.7% YoY+8.9% QoQ
|
$-17.2M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
33rd in tier |
| ROA |
1.3%
+153.7% YoY+2.0% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
74th in tier |
| NIM |
2.6%
+24.6% YoY-0.9% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio |
50.9%
-32.6% YoY-3.1% QoQ
|
-30.5% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
0.0%
-18.8% YoY-8.9% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 15.9% in tier |
| Loan To Share |
67.5%
-7.3% YoY-7.7% QoQ
|
+6.3% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
59th in tier |
| AMR |
$15,677
+19.8% YoY+6.4% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
61st in tier |
| CD Concentration |
61.6%
-4.8% YoY-0.2% QoQ
|
+37.2% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
65
AMR Growth Rate
growth
Value:
19.81%
Peer Avg: 4.67%
#65 of 2596
Top 2.5% in <100M tier
133
Net Charge-Off Rate
risk
Value:
-0.06%
Peer Avg: 0.57%
#133 of 2596
Top 5.1% in <100M tier
138
Deposit Growth Rate
growth
Value:
12.65%
Peer Avg: 16.80%
#138 of 2596
Top 5.3% in <100M tier
175
Efficiency Ratio
profitability
Value:
50.90%
Peer Avg: 81.39%
#175 of 2596
Top 6.7% in <100M tier
202
Asset Growth Rate
growth
Value:
10.44%
Peer Avg: 1.82%
#202 of 2596
Top 7.7% in <100M tier
237
Net Worth Ratio
risk
Value:
26.54%
Peer Avg: 16.43%
#237 of 2596
Top 9.1% in <100M tier
415
Total Delinquency Rate (60+ days)
risk
Value:
0.04%
Peer Avg: 1.51%
#415 of 2596
Top 15.9% in <100M tier
571
Loan Growth Rate
growth
Value:
4.48%
Peer Avg: 59.01%
#571 of 2596
Top 22.0% in <100M tier
Top Weaknesses (5 metrics)
2567
Share Certificate Concentration (%)
balance_sheet
Value:
61.56%
Peer Avg: 15.37%
#2567 of 2596
Bottom 1.2% in <100M tier
2411
Member Growth Rate
growth
Value:
-8.85%
Peer Avg: 14.92%
#2411 of 2596
Bottom 7.2% in <100M tier
2346
Net Interest Margin (NIM)
profitability
Value:
2.64%
Peer Avg: 3.93%
#2346 of 2596
Bottom 9.7% in <100M tier
2192
Fee Income Per Member
profitability
Value:
$6.05
Peer Avg: $182.96
#2192 of 2596
Bottom 15.6% in <100M tier
2094
Members Per Employee (MPE)
engagement
Value:
221.500
Peer Avg: 365.701
#2094 of 2596
Bottom 19.4% in <100M tier