BlastPoint's Credit Union Scorecard

FARMWAY

Charter #63374 · KS

100M-500M

1070 CUs in 100M-500M nationally 10 in KS

FARMWAY has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.75% above tier average
+ Net Charge-Off Rate: Top 0.2% in tier
+ Net Worth Ratio: Top 2.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Efficiency ratio 7.54% above tier (higher cost structure)
- Delinquency rate 0.09% above tier average
- Total Deposits: Bottom 0.7% in tier
- Total Assets: Bottom 5.3% in tier
- Members Per Employee (MPE): Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	7,417 +0.0% YoY-0.0% QoQ	-7.7K	15,145 -2.5% YoY	12,306 -36.1% YoY	33,913 +5.7% YoY	Bottom 14.2% in tier
Assets	$107.2M +5.6% YoY+4.9% QoQ	$-124.5M	$231.7M +0.8% YoY	$170.3M -37.4% YoY	$578.3M +9.0% YoY	Bottom 5.2% in tier
Loans	$66.5M +4.8% YoY+4.9% QoQ	$-77.7M	$144.1M +0.2% YoY	$121.5M -36.6% YoY	$402.4M +8.7% YoY	Bottom 14.5% in tier
Deposits	$83.2M +6.5% YoY+5.7% QoQ	$-118.0M	$201.1M +0.4% YoY	$144.0M -38.1% YoY	$494.3M +9.1% YoY	Bottom 0.7% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -2.6% YoY+4.1% QoQ	+0.0%	0.7% +5.1% YoY	0.6% +30.6% YoY	0.4% -39.2% YoY	50%
NIM	4.4% +3.5% YoY-0.3% QoQ	+0.7%	3.6% +4.6% YoY	4.0% +4.6% YoY	3.8% +4.1% YoY	Top 12.1% in tier
Efficiency Ratio	85.6% +1.3% YoY+2.9% QoQ	+7.5%	78.0% -1.7% YoY	78.0% -2.8% YoY	84.6% +2.8% YoY	73%
Delinquency Rate	0.9% -60.3% YoY-14.8% QoQ	+0.1	0.8% +7.1% YoY	1.3% +3.6% YoY	1.2% +3.4% YoY	69%
Loan To Share	79.9% -1.6% YoY-0.8% QoQ	+9.5%	70.4% -0.4% YoY	69.9% -0.4% YoY	65.6% -1.4% YoY	68%
AMR	$20,178 +5.8% YoY+5.4% QoQ	$-5K	$24,918 +2.7% YoY	$16,649 +0.9% YoY	$19,920 +1.6% YoY	33%
CD Concentration	20.9% +0.2% YoY-0.8% QoQ	-3.4%	24.3%	24.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	12.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#405 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.75%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (2)

Efficiency Drag

risk

#28 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.56%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.03%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Liquidity Overhang

risk

#60 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 21.74%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 79.94%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.26%

Peer Median: 0.35%

#3 of 1070 Top 0.2% in 100M-500M tier

Net Worth Ratio

risk

Value: 21.74%

Peer Median: 11.45%

#24 of 1070 Top 2.1% in 100M-500M tier

129

Net Interest Margin (NIM)

profitability

Value: 4.38%

Peer Median: 3.62%

#129 of 1070 Top 12.0% in 100M-500M tier

167

First Mortgage Concentration (%)

balance_sheet

Value: 12.36%

Peer Median: 29.47%

#167 of 1070 Top 15.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1063

Total Deposits

balance_sheet

Value: $83.17M

Peer Median: $171.29M

#1063 of 1070 Bottom 0.7% in 100M-500M tier

1014

Total Assets

balance_sheet

Value: $107.21M

Peer Median: $196.57M

#1014 of 1070 Bottom 5.3% in 100M-500M tier

978

Members Per Employee (MPE)

engagement

Value: 218.147

Peer Median: 309.176

#978 of 1070 Bottom 8.7% in 100M-500M tier

944

Fee Income Per Member

profitability

Value: $84.15

Peer Median: $154.95

#944 of 1070 Bottom 11.9% in 100M-500M tier

918

Total Members

engagement

Value: 7,417

Peer Median: 13,200

#918 of 1070 Bottom 14.3% in 100M-500M tier

915

Total Loans

balance_sheet

Value: $66.49M

Peer Median: $121.41M

#915 of 1070 Bottom 14.6% in 100M-500M tier