BlastPoint's Credit Union Scorecard
QUINDARO HOMES
Charter #8216 · KS
2596 CUs in <100M nationally
45 in KS
QUINDARO HOMES has 12 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.99% above tier average
- + Net Interest Margin 3.57% 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 1.0% in tier
- + Net Worth Ratio: Top 1.5% in tier
- + Loan-to-Share Ratio: Top 2.2% in tier
- + Asset Growth Rate: Top 2.2% in tier
- + AMR Growth Rate: Top 2.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.48% above tier average
- - Total Deposits: Bottom 3.0% in tier
- - Total Assets: Bottom 3.9% in tier
- - Total Members: Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Total Loans: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
-1.1% YoY-0.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Bottom 3.9% in tier |
| Assets |
$611,445
+18.1% YoY-0.8% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.9% in tier |
| Loans |
$357,614
+10.8% YoY-3.1% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.9% in tier |
| Deposits |
$337,931
+28.7% YoY-3.3% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.9% in tier |
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| ROA |
2.7%
+10.5% YoY-8.4% QoQ
|
+2.0% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Top 3.1% in tier |
| NIM |
7.5%
+15.6% YoY+3.0% QoQ
|
+3.6% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Top 0.8% in tier |
| Efficiency Ratio |
58.5%
-1.4% YoY+15.3% QoQ
|
-22.9% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate |
2.0%
-71.7% YoY-67.4% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
105.8%
-13.9% YoY+0.2% QoQ
|
+44.6% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 2.3% in tier |
| AMR |
$3,822
+20.1% YoY-2.7% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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 (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
21
Net Interest Margin (NIM)
profitability
Value:
7.50%
Peer Avg: -
#21 of 2596
Top 0.8% in <100M tier
26
Deposit Growth Rate
growth
Value:
28.69%
Peer Avg: -
#26 of 2596
Top 1.0% in <100M tier
40
Net Worth Ratio
risk
Value:
44.22%
Peer Avg: -
#40 of 2596
Top 1.5% in <100M tier
57
Loan-to-Share Ratio
balance_sheet
Value:
105.82%
Peer Avg: -
#57 of 2596
Top 2.2% in <100M tier
59
Asset Growth Rate
growth
Value:
18.14%
Peer Avg: -
#59 of 2596
Top 2.2% in <100M tier
62
AMR Growth Rate
growth
Value:
20.11%
Peer Avg: -
#62 of 2596
Top 2.3% in <100M tier
80
Return on Assets (ROA)
profitability
Value:
2.67%
Peer Avg: -
#80 of 2596
Top 3.0% in <100M tier
Top Weaknesses (9 metrics)
2520
Total Deposits
balance_sheet
Value:
$337,931
Peer Avg: -
#2520 of 2596
Bottom 3.0% in <100M tier
2496
Total Assets
balance_sheet
Value:
$611,445
Peer Avg: -
#2496 of 2596
Bottom 3.9% in <100M tier
2494
Total Members
engagement
Value:
182
Peer Avg: -
#2494 of 2596
Bottom 4.0% in <100M tier
2442
Average Member Relationship (AMR)
engagement
Value:
$3,822
Peer Avg: -
#2442 of 2596
Bottom 6.0% in <100M tier
2442
Total Loans
balance_sheet
Value:
$357,614
Peer Avg: -
#2442 of 2596
Bottom 6.0% in <100M tier
2313
Fee Income Per Member
profitability
Value:
$2.56
Peer Avg: -
#2313 of 2596
Bottom 10.9% in <100M tier
2269
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,965
Peer Avg: -
#2269 of 2596
Bottom 12.6% in <100M tier
2252
Members Per Employee (MPE)
engagement
Value:
182.000
Peer Avg: -
#2252 of 2596
Bottom 13.3% in <100M tier
2064
Total Delinquency Rate (60+ days)
risk
Value:
1.98%
Peer Avg: -
#2064 of 2596
Bottom 20.5% in <100M tier