BlastPoint's Credit Union Scorecard

FARMWAY

Charter #63374 · KS

100M-500M

1069 CUs in 100M-500M nationally 9 in KS

FARMWAY has 2 strengths but faces 8 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

+ Net Interest Margin 0.78% above tier average
+ Net Worth Ratio: Top 1.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.09% below tier average
- Efficiency ratio 6.12% above tier (higher cost structure)
- Delinquency rate 0.12% above tier average
- Total Deposits: Bottom 0.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	7,418 -0.7% YoY-0.1% QoQ	-8.0K	15,437 -2.9% YoY	12,209 -35.0% YoY	33,374 +5.7% YoY	Bottom 13.5% in tier
Assets	$102.2M +1.9% YoY+2.4% QoQ	$-129.6M	$231.9M +1.3% YoY	$164.3M -37.3% YoY	$561.6M +9.7% YoY	Bottom 1.4% in tier
Loans	$63.4M -0.1% YoY-1.5% QoQ	$-83.9M	$147.3M -0.1% YoY	$120.8M -36.2% YoY	$397.0M +8.8% YoY	Bottom 11.8% in tier
Deposits	$78.7M +1.8% YoY+3.2% QoQ	$-122.1M	$200.8M +0.8% YoY	$139.5M -36.6% YoY	$477.3M +9.7% YoY	Bottom 0.4% 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% +28.7% YoY+13.2% QoQ	-0.1%	0.8% +18.2% YoY	0.6% +32.6% YoY	0.7% +15.9% YoY	43%
NIM	4.4% +13.9% YoY+1.1% QoQ	+0.8%	3.6% +6.7% YoY	4.0% +7.1% YoY	3.8% +5.1% YoY	Top 12.3% in tier
Efficiency Ratio	83.1% -4.0% YoY-0.8% QoQ	+6.1%	77.0% -3.1% YoY	78.8% -6.8% YoY	79.7% -3.3% YoY	72%
Delinquency Rate	1.0% -15.6% YoY-28.8% QoQ	+0.1	0.9% +4.2% YoY	1.5% -6.0% YoY	1.3% -2.1% YoY	70%
Loan To Share	80.6% -1.9% YoY-4.5% QoQ	+8.3%	72.2% -1.1% YoY	71.6% -2.2% YoY	67.4% -1.7% YoY	65%
AMR	$19,153 +1.7% YoY+1.2% QoQ	$-6K	$24,676 +3.4% YoY	$16,403 +0.2% YoY	$19,687 +2.0% YoY	28%
CD Concentration	21.1% -2.1% YoY+2.4% QoQ	-3.3%	24.4%	24.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#192 of 538 • 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: 83.14%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -0.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Liquidity Overhang

risk

#49 of 135 • 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: 22.61%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 80.57%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Stagnation Risk

risk

#412 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -0.06%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.01%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#533 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 22.61%

Peer Median: -

#17 of 1069 Top 1.5% in 100M-500M tier

132

Net Interest Margin (NIM)

profitability

Value: 4.39%

Peer Median: -

#132 of 1069 Top 12.3% in 100M-500M tier

185

First Mortgage Concentration (%)

balance_sheet

Value: 13.70%

Peer Median: -

#185 of 1069 Top 17.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1065

Total Deposits

balance_sheet

Value: $78.68M

Peer Median: -

#1065 of 1069 Bottom 0.5% in 100M-500M tier

1054

Total Assets

balance_sheet

Value: $102.23M

Peer Median: -

#1054 of 1069 Bottom 1.5% in 100M-500M tier

988

Fee Income Per Member

profitability

Value: $83.86

Peer Median: -

#988 of 1069 Bottom 7.7% in 100M-500M tier

943

Total Loans

balance_sheet

Value: $63.40M

Peer Median: -

#943 of 1069 Bottom 11.9% in 100M-500M tier

941

Members Per Employee (MPE)

engagement

Value: 231.812

Peer Median: -

#941 of 1069 Bottom 12.1% in 100M-500M tier

925

Total Members

engagement

Value: 7,418

Peer Median: -

#925 of 1069 Bottom 13.6% in 100M-500M tier