BlastPoint's Credit Union Scorecard
QUINDARO HOMES
Charter #8216 · KS
2556 CUs in <100M nationally
44 in KS
QUINDARO HOMES has 13 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.73% above tier average
- + Net Interest Margin 3.87% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.1% in tier
- + Net Worth Ratio: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 1.8% in tier
- + Asset Growth Rate: Top 2.2% in tier
- + AMR Growth Rate: Top 3.3% in tier
- + Efficiency Ratio: Top 6.1% in tier
- + Loan Growth Rate: Top 7.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.91% above tier average
- - Total Deposits: Bottom 2.7% in tier
- - Total Assets: Bottom 3.7% in tier
- - Total Members: Bottom 4.1% in tier
- - Average Member Relationship (AMR): Bottom 5.6% in tier
- - Total Loans: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
185
+1.6% YoY+1.6% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Bottom 4.1% in tier |
| Assets |
$617,121
+18.9% YoY+0.9% QoQ
|
$-29.5M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.7% in tier |
| Loans |
$363,736
+13.3% YoY+1.7% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.8% in tier |
| Deposits |
$335,680
+28.8% YoY-0.7% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.7% in tier |
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| ROA |
3.3%
+35.9% YoY+25.5% QoQ
|
+2.7% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Top 1.0% in tier |
| NIM |
7.8%
+10.4% YoY+4.2% QoQ
|
+3.9% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
53.1%
-13.2% YoY-9.2% QoQ
|
-29.5% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate |
3.5%
-47.8% YoY+74.7% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 10.8% in tier |
| Loan To Share |
108.4%
-12.0% YoY+2.4% QoQ
|
+47.7% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 1.9% in tier |
| AMR |
$3,781
+18.3% YoY-1.1% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
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 (14 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
13
Net Interest Margin (NIM)
profitability
Value:
7.82%
Peer Median: -
#13 of 2556
Top 0.5% in <100M tier
26
Return on Assets (ROA)
profitability
Value:
3.35%
Peer Median: -
#26 of 2556
Top 1.0% in <100M tier
28
Deposit Growth Rate
growth
Value:
28.81%
Peer Median: -
#28 of 2556
Top 1.1% in <100M tier
35
Net Worth Ratio
risk
Value:
45.16%
Peer Median: -
#35 of 2556
Top 1.3% in <100M tier
47
Loan-to-Share Ratio
balance_sheet
Value:
108.36%
Peer Median: -
#47 of 2556
Top 1.8% in <100M tier
56
Asset Growth Rate
growth
Value:
18.93%
Peer Median: -
#56 of 2556
Top 2.2% in <100M tier
85
AMR Growth Rate
growth
Value:
18.32%
Peer Median: -
#85 of 2556
Top 3.3% in <100M tier
Top Weaknesses (9 metrics)
2487
Total Deposits
balance_sheet
Value:
$335,680
Peer Median: -
#2487 of 2556
Bottom 2.7% in <100M tier
2462
Total Assets
balance_sheet
Value:
$617,121
Peer Median: -
#2462 of 2556
Bottom 3.7% in <100M tier
2452
Total Members
engagement
Value:
185
Peer Median: -
#2452 of 2556
Bottom 4.1% in <100M tier
2413
Average Member Relationship (AMR)
engagement
Value:
$3,781
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2407
Total Loans
balance_sheet
Value:
$363,736
Peer Median: -
#2407 of 2556
Bottom 5.9% in <100M tier
2300
Fee Income Per Member
profitability
Value:
$2.65
Peer Median: -
#2300 of 2556
Bottom 10.1% in <100M tier
2281
Total Delinquency Rate (60+ days)
risk
Value:
3.47%
Peer Median: -
#2281 of 2556
Bottom 10.8% in <100M tier
2232
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,966
Peer Median: -
#2232 of 2556
Bottom 12.7% in <100M tier
2204
Members Per Employee (MPE)
engagement
Value:
185.000
Peer Median: -
#2204 of 2556
Bottom 13.8% in <100M tier