KANSAS TEACHERS COMMUNITY

Charter #67995 | KS

100M-500M (1077 CUs) Micro
9 100M-500M in KS

KANSAS TEACHERS COMMUNITY has 4 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 2.7% in tier
  • + Organic Growth Engine: Top 7.9% in tier
  • + ROA 0.54% above tier average
  • + Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.7% in tier
  • - Shrinking Wallet Share: Bottom 3.4% in tier
  • - Liquidity Overhang: Bottom 7.0% in tier
  • - Deposit Outflow: Bottom 19.2% in tier
  • - Indirect Auto Dependency: Bottom 30.5% in tier
  • - Delinquency rate 1.05% above tier average
  • - AMR Growth Rate: Bottom 2.5% in tier
  • - Loan Growth Rate: Bottom 2.9% in tier
  • - Average Member Relationship (AMR): Bottom 4.8% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 12,502
+3.6% YoY+1.3% QoQ
 -3.1K 15,628
-3.4% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 44th in tier
Assets $123.7M
+0.8% YoY-1.8% QoQ
 $-107.6M $231.3M
-0.0% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 Bottom 15.7% in tier
Loans $61.3M
-10.6% YoY-1.3% QoQ
 $-86.5M $147.8M
-1.4% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 Bottom 10.4% in tier
Deposits $105.9M
-0.5% YoY-2.3% QoQ
 $-94.3M $200.3M
-0.0% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 Bottom 15.0% in tier
ROA 1.3%
+158.1% YoY+6.2% QoQ
 +0.5% 0.8%
+15.5% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 Top 16.6% in tier
NIM 4.0%
+8.7% YoY+2.5% QoQ
 +0.4% 3.6%
+6.9% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 71st in tier
Efficiency Ratio 64.5%
-9.0% YoY-2.0% QoQ
 -12.8% 77.3%
-3.0% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 14.7% in tier
Delinquency Rate 1.9%
+76.6% YoY+45.0% QoQ
 +1.1 0.9%
+7.6% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 Top 8.1% in tier
Loan To Share 57.8%
-10.1% YoY+1.1% QoQ
 -14.9% 72.7%
-1.5% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 Bottom 18.5% in tier
AMR $13,374
-7.8% YoY-3.2% QoQ
 $-11K $24,363
+2.9% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 4.7% in tier
CD Concentration 17.1%
-5.3% YoY-1.0% QoQ
 -7.3% 24.4%
+4.2% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 23.4%
-16.2% YoY-2.0% QoQ
 +9.4% 14.0%
-5.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#51 of 627 • Top 2.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.33%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.55%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#146 of 603 • Top 7.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.55%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.33%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 23.39%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#68 of 736 • Bottom 2.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.83% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#35 of 244 • Bottom 3.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -7.77%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Liquidity Overhang

risk
#109 of 552 • Bottom 7.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.53%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 57.82%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Deposit Outflow

decline
#114 of 114 • Bottom 19.2% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.54%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $123.74M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#491 of 525 • Bottom 30.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.83%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 23.39%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.55%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

159
Efficiency Ratio
profitability
Value: 64.50%
Peer Avg: 77.28%
#159 of 1077 Top 14.7% in 100M-500M tier
165
Member Growth Rate
growth
Value: 3.55%
Peer Avg: 0.72%
#165 of 1077 Top 15.2% in 100M-500M tier
179
Return on Assets (ROA)
profitability
Value: 1.33%
Peer Avg: 0.79%
#179 of 1077 Top 16.5% in 100M-500M tier
193
Net Worth Ratio
risk
Value: 14.53%
Peer Avg: 12.15%
#193 of 1077 Top 17.8% in 100M-500M tier

Top Weaknesses (13 metrics)

1051
AMR Growth Rate
growth
Value: -7.77%
Peer Avg: 3.64%
#1051 of 1077 Bottom 2.5% in 100M-500M tier
1047
Loan Growth Rate
growth
Value: -10.63%
Peer Avg: 3.45%
#1047 of 1077 Bottom 2.9% in 100M-500M tier
1026
Average Member Relationship (AMR)
engagement
Value: $13,374
Peer Avg: $24,363
#1026 of 1077 Bottom 4.8% in 100M-500M tier
1020
Loan-to-Member Ratio (LMR)
engagement
Value: $4,900
Peer Avg: $10,245
#1020 of 1077 Bottom 5.4% in 100M-500M tier
991
Total Delinquency Rate (60+ days)
risk
Value: 1.91%
Peer Avg: 0.86%
#991 of 1077 Bottom 8.1% in 100M-500M tier
965
Total Loans
balance_sheet
Value: $61.26M
Peer Avg: $147.80M
#965 of 1077 Bottom 10.5% in 100M-500M tier
915
Total Deposits
balance_sheet
Value: $105.94M
Peer Avg: $200.29M
#915 of 1077 Bottom 15.1% in 100M-500M tier
914
Deposit Growth Rate
growth
Value: -0.54%
Peer Avg: 4.69%
#914 of 1077 Bottom 15.2% in 100M-500M tier
908
Total Assets
balance_sheet
Value: $123.74M
Peer Avg: $231.30M
#908 of 1077 Bottom 15.8% in 100M-500M tier
878
Loan-to-Share Ratio
balance_sheet
Value: 57.82%
Peer Avg: 72.70%
#878 of 1077 Bottom 18.6% in 100M-500M tier