B&V
Charter #63598 | KS
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in KS
B&V has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.5% in tier
- + Net Charge-Off Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 8.90% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Deposit Growth Rate: Bottom 2.4% in tier
- - Asset Growth Rate: Bottom 2.5% in tier
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,532
-4.3% YoY-0.6% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Top 17.4% in tier |
| Assets |
$42.0M
-13.3% YoY-4.8% QoQ
|
+$12.2M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
72nd in tier |
| Loans |
$15.2M
-14.1% YoY-3.4% QoQ
|
$-560K |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
62nd in tier |
| Deposits |
$34.0M
-16.0% YoY-6.3% QoQ
|
+$8.6M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
69th in tier |
| ROA |
0.6%
-189.1% YoY+2606.3% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
43rd in tier |
| NIM |
1.9%
+69.1% YoY+8.5% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
90.3%
-33.9% YoY-4.4% QoQ
|
+8.9% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 22.7% in tier |
| Delinquency Rate |
1.0%
-22.7% YoY-39.9% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
60th in tier |
| Loan To Share |
44.7%
+2.3% YoY+3.1% QoQ
|
-16.6% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 24.7% in tier |
| AMR |
$10,867
-11.7% YoY-4.9% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
33rd in tier |
| CD Concentration |
17.9%
-29.1% YoY+0.2% QoQ
|
-6.5% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-5.6% 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
13
Members Per Employee (MPE)
engagement
Value:
1133.000
Peer Avg: 365.701
#13 of 2596
Top 0.5% in <100M tier
20
Net Charge-Off Rate
risk
Value:
-0.71%
Peer Avg: 0.57%
#20 of 2596
Top 0.7% in <100M tier
453
Total Members
engagement
Value:
4,532
Peer Avg: 2,626
#453 of 2596
Top 17.4% in <100M tier
Top Weaknesses (9 metrics)
2535
Deposit Growth Rate
growth
Value:
-16.01%
Peer Avg: 16.80%
#2535 of 2596
Bottom 2.4% in <100M tier
2532
Asset Growth Rate
growth
Value:
-13.33%
Peer Avg: 1.82%
#2532 of 2596
Bottom 2.5% in <100M tier
2519
Net Interest Margin (NIM)
profitability
Value:
1.89%
Peer Avg: 3.93%
#2519 of 2596
Bottom 3.0% in <100M tier
2439
AMR Growth Rate
growth
Value:
-11.66%
Peer Avg: 4.67%
#2439 of 2596
Bottom 6.1% in <100M tier
2271
Loan Growth Rate
growth
Value:
-14.10%
Peer Avg: 59.01%
#2271 of 2596
Bottom 12.6% in <100M tier
2047
Member Growth Rate
growth
Value:
-4.27%
Peer Avg: 14.92%
#2047 of 2596
Bottom 21.2% in <100M tier
2023
Fee Income Per Member
profitability
Value:
$13.89
Peer Avg: $182.96
#2023 of 2596
Bottom 22.1% in <100M tier
2007
Efficiency Ratio
profitability
Value:
90.29%
Peer Avg: 81.39%
#2007 of 2596
Bottom 22.7% in <100M tier
1952
Loan-to-Share Ratio
balance_sheet
Value:
44.67%
Peer Avg: 61.23%
#1952 of 2596
Bottom 24.8% in <100M tier