BlastPoint's Credit Union Scorecard
FARMWAY
Charter #63374 · KS
FARMWAY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.70% above tier average
- + Net Charge-Off Rate: Top 0.1% in tier
- + Net Worth Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 12.49% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Total Deposits: Bottom 0.8% in tier
- - Total Assets: Bottom 4.4% in tier
- - Members Per Employee (MPE): Bottom 8.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kansas.
- Shares and deposits +8.6% year over year ($82.7M in shares and deposits).
- Membership: 7,391 members, -0.5% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 0.59%.
- Efficiency ratio 89.23% vs a 76.73% peer average.
- Loan-to-share ratio 83.41% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,391
-0.5% YoY-0.4% QoQ
|
-7.8K |
15,168
-2.6% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
Bottom 14.4% in tier |
| Assets |
$106.8M
+7.4% YoY-0.4% QoQ
|
$-125.2M |
$232.0M
+0.7% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.3% in tier |
| Loans |
$69.0M
+6.8% YoY+3.8% QoQ
|
$-77.3M |
$146.3M
+0.2% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$82.7M
+8.6% YoY-0.6% QoQ
|
$-118.0M |
$200.7M
+0.2% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.7% in tier |
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| ROA |
0.6%
-22.1% YoY-15.2% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
4.4%
+1.5% YoY+0.1% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
89.2%
+8.3% YoY+4.3% QoQ
|
+12.5% |
76.7%
-0.8% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.1% in tier |
| Delinquency Rate |
1.0%
-47.2% YoY+10.3% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
83.4%
-1.7% YoY+4.3% QoQ
|
+11.9% |
71.5%
-0.3% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$20,525
+8.3% YoY+1.7% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
22.6%
+10.4% YoY+8.1% QoQ
|
-2.0% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)