BlastPoint's Credit Union Scorecard
FRONTIER COMMUNITY
Charter #63201 · KS
FRONTIER COMMUNITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 99.8% in tier
- + Net Interest Margin 0.89% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 60.4% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 2.43% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,305
+0.8% YoY+0.2% QoQ
|
+2.9K |
15,437
-2.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$204.6M
+1.8% YoY-1.1% QoQ
|
$-27.2M |
$231.9M
+1.3% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$154.5M
+0.9% YoY+0.3% QoQ
|
+$7.1M |
$147.3M
-0.1% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$184.3M
+1.1% YoY-1.4% QoQ
|
$-16.5M |
$200.8M
+0.8% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.3%
-204.4% YoY+38.3% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
4.5%
+14.6% YoY+1.0% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 9.8% in tier |
| Efficiency Ratio |
79.4%
-14.6% YoY-0.6% QoQ
|
+2.4% |
77.0%
-3.1% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.1%
-30.2% YoY+0.1% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
83.8%
-0.2% YoY+1.8% QoQ
|
+11.6% |
72.2%
-1.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$18,507
+0.2% YoY-0.9% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
36.5%
-0.4% YoY-3.0% QoQ
|
+12.1% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % |
34.7%
-6.6% YoY-2.1% QoQ
|
+20.9% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)