GREAT PLAINS
Charter #6853 | MO
100M-500M
(1077 CUs)
Micro
($0-$500M)
24 100M-500M in MO
GREAT PLAINS has 3 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 34.7% in tier
- + Relationship Depth Leader: Top 36.3% in tier
- + Total Members: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.0% in tier
- - Efficiency Drag: Bottom 8.8% in tier
- - Institutional Decline: Bottom 11.9% in tier
- - Liquidity Overhang: Bottom 16.6% in tier
- - Membership Headwinds: Bottom 25.6% in tier
- - Stagnation Risk: Bottom 33.1% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 31.40% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 1.9% in tier
- - Loan Growth Rate: Bottom 2.2% in tier
- - Net Interest Margin (NIM): Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 4.4% in tier
- - Share Certificate Concentration (%): Bottom 8.2% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,677
-1.3% YoY-0.5% QoQ
|
+13.0K |
15,628
-3.4% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 8.5% in tier |
| Assets |
$339.4M
+5.1% YoY-1.4% QoQ
|
+$108.1M |
$231.3M
-0.0% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 20.0% in tier |
| Loans |
$118.0M
-12.4% YoY-4.3% QoQ
|
$-29.8M |
$147.8M
-1.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
46th in tier |
| Deposits |
$299.1M
+5.5% YoY-2.7% QoQ
|
+$98.9M |
$200.3M
-0.0% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 18.8% in tier |
| ROA |
0.1%
-107.9% YoY-112.4% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.0% in tier |
| NIM |
2.0%
-1.5% YoY+7.2% QoQ
|
-1.6% |
3.6%
+6.9% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio |
108.7%
-5.0% YoY-15.6% QoQ
|
+31.4% |
77.3%
-3.0% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
0.8%
-55.2% YoY+2.0% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
60th in tier |
| Loan To Share |
39.4%
-16.9% YoY-1.7% QoQ
|
-33.3% |
72.7%
-1.5% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.3% in tier |
| AMR |
$14,546
+1.0% YoY-2.6% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.4% in tier |
| CD Concentration |
39.7%
+15.0% YoY-4.5% QoQ
|
+15.3% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
31.2%
-11.9% YoY-3.9% QoQ
|
+17.3% |
14.0%
-5.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growth
#958 of 1006 • Top 34.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.04%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#1000 of 1006 • Top 36.3% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.04%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.5K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (6)
Indirect Auto Dependency
risk
#130 of 525 • Bottom 8.0% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
5.10%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
31.24%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-1.33%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Efficiency Drag
risk
#157 of 521 • Bottom 8.8% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
108.68%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
1.79% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-1.33%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Institutional Decline
decline
#95 of 256 • Bottom 11.9% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$339.43M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-1.33%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-12.40%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#257 of 552 • Bottom 16.6% 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:
12.31%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
39.45%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#422 of 550 • Bottom 25.6% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.33%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Stagnation Risk
risk
#545 of 550 • Bottom 33.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.13%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.33%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$14.5K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
39.68%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
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 (3 metrics)
92
Total Members
engagement
Value:
28,677
Peer Avg: 15,628
#92 of 1077
Top 8.4% in 100M-500M tier
203
Total Deposits
balance_sheet
Value:
$299.14M
Peer Avg: $200.29M
#203 of 1077
Top 18.8% in 100M-500M tier
215
Total Assets
balance_sheet
Value:
$339.43M
Peer Avg: $231.30M
#215 of 1077
Top 19.9% in 100M-500M tier
Top Weaknesses (11 metrics)
1068
Efficiency Ratio
profitability
Value:
108.68%
Peer Avg: 77.28%
#1068 of 1077
Bottom 0.9% in 100M-500M tier
1057
Net Charge-Off Rate
risk
Value:
1.83%
Peer Avg: 0.47%
#1057 of 1077
Bottom 1.9% in 100M-500M tier
1054
Loan Growth Rate
growth
Value:
-12.40%
Peer Avg: 3.45%
#1054 of 1077
Bottom 2.2% in 100M-500M tier
1053
Net Interest Margin (NIM)
profitability
Value:
2.01%
Peer Avg: 3.58%
#1053 of 1077
Bottom 2.3% in 100M-500M tier
1053
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,115
Peer Avg: $10,245
#1053 of 1077
Bottom 2.3% in 100M-500M tier
1031
Loan-to-Share Ratio
balance_sheet
Value:
39.45%
Peer Avg: 72.70%
#1031 of 1077
Bottom 4.4% in 100M-500M tier
990
Share Certificate Concentration (%)
balance_sheet
Value:
39.68%
Peer Avg: 23.61%
#990 of 1077
Bottom 8.2% in 100M-500M tier
986
Average Member Relationship (AMR)
engagement
Value:
$14,546
Peer Avg: $24,363
#986 of 1077
Bottom 8.5% in 100M-500M tier
958
Return on Assets (ROA)
profitability
Value:
0.13%
Peer Avg: 0.79%
#958 of 1077
Bottom 11.1% in 100M-500M tier
908
Indirect Auto Concentration (%)
balance_sheet
Value:
31.24%
Peer Avg: 13.34%
#908 of 1077
Bottom 15.8% in 100M-500M tier