WHITE EAGLE
Charter #63189 | KS
100M-500M
(1077 CUs)
Micro
($0-$500M)
9 100M-500M in KS
WHITE EAGLE has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 2.2% in tier
- + Wallet Share Momentum: Top 2.5% in tier
- + Organic Growth Engine: Top 8.3% in tier
- + Relationship Depth Leader: Top 18.0% in tier
- + Organic Growth Leader: Top 18.7% in tier
- + ROA 1.07% above tier average
- + Net Interest Margin 0.22% above tier average
- + Deposit Growth Rate: Top 1.8% in tier
- + Asset Growth Rate: Top 2.0% in tier
- + AMR Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.5% in tier
- - Liquidity Overhang: Bottom 12.7% in tier
- - Growth-at-Risk: Bottom 14.6% in tier
- - Indirect Auto Dependency: Bottom 19.7% in tier
- - Delinquency rate 0.22% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,126
+2.1% YoY+1.1% QoQ
|
+497 |
15,628
-3.4% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
62nd in tier |
| Assets |
$186.8M
+22.7% YoY+2.9% QoQ
|
$-44.5M |
$231.3M
-0.0% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
46th in tier |
| Loans |
$101.9M
+2.6% YoY+0.5% QoQ
|
$-45.9M |
$147.8M
-1.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
35th in tier |
| Deposits |
$159.0M
+24.7% YoY+3.0% QoQ
|
$-41.3M |
$200.3M
-0.0% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
45th in tier |
| ROA |
1.9%
+13.7% YoY-14.9% QoQ
|
+1.1% |
0.8%
+15.5% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Top 4.5% in tier |
| NIM |
3.8%
-8.6% YoY-0.6% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
63rd in tier |
| Efficiency Ratio |
61.5%
-9.2% YoY+1.1% QoQ
|
-15.8% |
77.3%
-3.0% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
1.1%
+72.9% YoY+79.6% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
74th in tier |
| Loan To Share |
64.1%
-17.7% YoY-2.4% QoQ
|
-8.6% |
72.7%
-1.5% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
29th in tier |
| AMR |
$16,182
+12.6% YoY+0.9% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.4% in tier |
| CD Concentration |
32.8%
+40.5% YoY+1.6% QoQ
|
+8.4% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
15.2%
-2.1% YoY+2.1% QoQ
|
+1.2% |
14.0%
-5.8% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#43 of 627 • Top 2.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.86%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.11%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#70 of 1006 • Top 2.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
12.65%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#153 of 603 • Top 8.3% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.11%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.86%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
15.16%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#497 of 1006 • Top 18.0% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
12.65%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.5K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#247 of 430 • Top 18.7% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.11%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
Concerns (4)
Credit Quality Pressure
risk
#161 of 736 • Bottom 6.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.46% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#198 of 552 • Bottom 12.7% 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:
13.90%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
64.11%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Growth-at-Risk
risk
#219 of 446 • Bottom 14.6% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
2.64%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.46% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#317 of 525 • Bottom 19.7% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
22.69%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
15.16%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
2.11%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
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 (7 metrics)
20
Deposit Growth Rate
growth
Value:
24.67%
Peer Avg: 4.69%
#20 of 1077
Top 1.8% in 100M-500M tier
23
Asset Growth Rate
growth
Value:
22.69%
Peer Avg: 4.70%
#23 of 1077
Top 2.0% in 100M-500M tier
49
Return on Assets (ROA)
profitability
Value:
1.86%
Peer Avg: 0.79%
#49 of 1077
Top 4.5% in 100M-500M tier
56
AMR Growth Rate
growth
Value:
12.65%
Peer Avg: 3.64%
#56 of 1077
Top 5.1% in 100M-500M tier
112
Efficiency Ratio
profitability
Value:
61.50%
Peer Avg: 77.28%
#112 of 1077
Top 10.3% in 100M-500M tier
214
First Mortgage Concentration (%)
balance_sheet
Value:
14.68%
Peer Avg: 30.43%
#214 of 1077
Top 19.8% in 100M-500M tier
242
Net Worth Ratio
risk
Value:
13.90%
Peer Avg: 12.15%
#242 of 1077
Top 22.4% in 100M-500M tier
Top Weaknesses (3 metrics)
922
Average Member Relationship (AMR)
engagement
Value:
$16,182
Peer Avg: $24,363
#922 of 1077
Bottom 14.5% in 100M-500M tier
901
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,322
Peer Avg: $10,245
#901 of 1077
Bottom 16.4% in 100M-500M tier
863
Share Certificate Concentration (%)
balance_sheet
Value:
32.82%
Peer Avg: 23.61%
#863 of 1077
Bottom 20.0% in 100M-500M tier