KANSAS CITY
Charter #63388 | MO
<100M
(2596 CUs)
Micro
($0-$500M)
60 <100M in MO
KANSAS CITY has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Net Interest Margin 0.32% above tier average
- + Fee Income Per Member: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.70% above tier average
- - Member decline: -11.5% YoY
- - First Mortgage Concentration (%): Bottom 2.9% in tier
- - Member Growth Rate: Bottom 4.6% in tier
- - Net Worth Ratio: Bottom 6.2% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - Net Charge-Off Rate: Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,163
-11.5% YoY-0.8% QoQ
|
+2.5K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 13.1% in tier |
| Assets |
$46.3M
-5.3% YoY+0.3% QoQ
|
+$16.4M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 24.6% in tier |
| Loans |
$34.0M
-20.0% YoY-6.2% QoQ
|
+$18.2M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 14.8% in tier |
| Deposits |
$42.1M
-6.5% YoY+0.1% QoQ
|
+$16.6M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 23.1% in tier |
| ROA |
1.6%
-161.2% YoY-27.6% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Top 17.4% in tier |
| NIM |
4.2%
+12.1% YoY+1.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
65th in tier |
| Efficiency Ratio |
73.3%
-18.7% YoY+2.4% QoQ
|
-8.1% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
38th in tier |
| Delinquency Rate |
3.2%
-43.7% YoY-41.4% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Top 10.9% in tier |
| Loan To Share |
80.7%
-14.5% YoY-6.2% QoQ
|
+19.5% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Top 21.6% in tier |
| AMR |
$14,726
-1.7% YoY-2.0% QoQ
|
+$99 |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
56th in tier |
| CD Concentration |
11.4%
-13.5% YoY+15.0% QoQ
|
-13.0% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
3.1%
-27.5% YoY-13.3% QoQ
|
-10.9% |
14.0%
-5.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
41
Fee Income Per Member
profitability
Value:
$341.32
Peer Avg: $182.96
#41 of 2596
Top 1.5% in <100M tier
340
Total Members
engagement
Value:
5,163
Peer Avg: 2,626
#340 of 2596
Top 13.1% in <100M tier
383
Total Loans
balance_sheet
Value:
$33.96M
Peer Avg: $15.77M
#383 of 2596
Top 14.7% in <100M tier
453
Return on Assets (ROA)
profitability
Value:
1.61%
Peer Avg: 0.68%
#453 of 2596
Top 17.4% in <100M tier
557
Loan-to-Share Ratio
balance_sheet
Value:
80.70%
Peer Avg: 61.23%
#557 of 2596
Top 21.4% in <100M tier
600
Total Deposits
balance_sheet
Value:
$42.08M
Peer Avg: $25.45M
#600 of 2596
Top 23.1% in <100M tier
638
Total Assets
balance_sheet
Value:
$46.28M
Peer Avg: $29.86M
#638 of 2596
Top 24.5% in <100M tier
Top Weaknesses (9 metrics)
2523
First Mortgage Concentration (%)
balance_sheet
Value:
65.56%
Peer Avg: 14.49%
#2523 of 2596
Bottom 2.9% in <100M tier
2477
Member Growth Rate
growth
Value:
-11.52%
Peer Avg: 14.92%
#2477 of 2596
Bottom 4.6% in <100M tier
2435
Net Worth Ratio
risk
Value:
8.40%
Peer Avg: 16.43%
#2435 of 2596
Bottom 6.2% in <100M tier
2433
Loan Growth Rate
growth
Value:
-20.02%
Peer Avg: 59.01%
#2433 of 2596
Bottom 6.3% in <100M tier
2406
Net Charge-Off Rate
risk
Value:
1.69%
Peer Avg: 0.57%
#2406 of 2596
Bottom 7.4% in <100M tier
2315
Total Delinquency Rate (60+ days)
risk
Value:
3.21%
Peer Avg: 1.51%
#2315 of 2596
Bottom 10.9% in <100M tier
2267
Indirect Auto Concentration (%)
balance_sheet
Value:
3.11%
Peer Avg: 2.84%
#2267 of 2596
Bottom 12.7% in <100M tier
2260
Deposit Growth Rate
growth
Value:
-6.47%
Peer Avg: 16.80%
#2260 of 2596
Bottom 13.0% in <100M tier
2254
Asset Growth Rate
growth
Value:
-5.33%
Peer Avg: 1.82%
#2254 of 2596
Bottom 13.2% in <100M tier