BlastPoint's Credit Union Scorecard
FRONTIER COMMUNITY
Charter #63201 · KS
FRONTIER COMMUNITY has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 32.7% in tier
- + Net Interest Margin 0.86% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 20.0% in tier
- - Shrinking Wallet Share: Bottom 24.4% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 2.68% above tier (higher cost structure)
- - Delinquency rate 0.26% above tier average
- - Net Charge-Off Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,265
+1.0% YoY+0.3% QoQ
|
+2.6K |
15,628
-3.4% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$207.0M
+1.1% YoY-0.1% QoQ
|
$-24.3M |
$231.3M
-0.0% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$154.0M
-0.5% YoY+2.1% QoQ
|
+$6.2M |
$147.8M
-1.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$187.0M
+1.2% YoY-0.5% QoQ
|
$-13.3M |
$200.3M
-0.0% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
56% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-195.6% YoY+132.8% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
4.4%
+19.5% YoY+1.7% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
80.0%
-15.1% YoY-3.7% QoQ
|
+2.7% |
77.3%
-3.0% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.1%
-23.4% YoY-1.2% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
82.4%
-1.7% YoY+2.6% QoQ
|
+9.7% |
72.7%
-1.5% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$18,667
-0.5% YoY+0.4% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
37.7%
-2.2% YoY+1.8% QoQ
|
+13.3% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
35.4%
-6.3% YoY-2.6% QoQ
|
+21.5% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)