C & R
Charter #67783 | KS
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in KS
C & R has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 4.5% in tier
- + Net Charge-Off Rate: Top 5.5% in tier
- + Deposit Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Member decline: -6.7% YoY
- - Share Certificate Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
678
-6.7% YoY+0.6% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Bottom 18.9% in tier |
| Assets |
$4.0M
+8.2% YoY-6.3% QoQ
|
$-25.8M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.5% in tier |
| Loans |
$2.9M
+4.3% YoY-1.9% QoQ
|
$-12.9M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 23.3% in tier |
| Deposits |
$3.5M
+9.8% YoY-7.4% QoQ
|
$-21.9M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.8% in tier |
| ROA |
0.1%
-113.0% YoY-135.6% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 18.3% in tier |
| NIM |
5.6%
+2.3% YoY+1.8% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
81.3%
-20.4% YoY+3.3% QoQ
|
-0.1% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
57th in tier |
| Delinquency Rate |
0.7%
+42.0% YoY+1448.3% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
52nd in tier |
| Loan To Share |
82.0%
-5.0% YoY+6.0% QoQ
|
+20.7% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 20.1% in tier |
| AMR |
$9,431
+15.0% YoY-5.6% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
26th in tier |
| CD Concentration |
37.4%
+42.8% YoY+11.4% QoQ
|
+13.0% |
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 (9 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
119
AMR Growth Rate
growth
Value:
15.01%
Peer Avg: 4.67%
#119 of 2596
Top 4.5% in <100M tier
143
Net Charge-Off Rate
risk
Value:
-0.05%
Peer Avg: 0.57%
#143 of 2596
Top 5.5% in <100M tier
168
Net Interest Margin (NIM)
profitability
Value:
5.61%
Peer Avg: 3.93%
#168 of 2596
Top 6.4% in <100M tier
241
Deposit Growth Rate
growth
Value:
9.78%
Peer Avg: 16.80%
#241 of 2596
Top 9.2% in <100M tier
324
Asset Growth Rate
growth
Value:
8.20%
Peer Avg: 1.82%
#324 of 2596
Top 12.4% in <100M tier
517
Loan-to-Share Ratio
balance_sheet
Value:
81.95%
Peer Avg: 61.23%
#517 of 2596
Top 19.9% in <100M tier
582
Loan Growth Rate
growth
Value:
4.33%
Peer Avg: 59.01%
#582 of 2596
Top 22.4% in <100M tier
Top Weaknesses (7 metrics)
2352
Share Certificate Concentration (%)
balance_sheet
Value:
37.40%
Peer Avg: 15.37%
#2352 of 2596
Bottom 9.4% in <100M tier
2318
Member Growth Rate
growth
Value:
-6.74%
Peer Avg: 14.92%
#2318 of 2596
Bottom 10.7% in <100M tier
2167
Total Assets
balance_sheet
Value:
$4.04M
Peer Avg: $29.86M
#2167 of 2596
Bottom 16.6% in <100M tier
2134
Total Deposits
balance_sheet
Value:
$3.51M
Peer Avg: $25.45M
#2134 of 2596
Bottom 17.8% in <100M tier
2120
Return on Assets (ROA)
profitability
Value:
0.07%
Peer Avg: 0.68%
#2120 of 2596
Bottom 18.4% in <100M tier
2106
Total Members
engagement
Value:
678
Peer Avg: 2,626
#2106 of 2596
Bottom 18.9% in <100M tier
1992
Total Loans
balance_sheet
Value:
$2.88M
Peer Avg: $15.77M
#1992 of 2596
Bottom 23.3% in <100M tier