BlastPoint's Credit Union Scorecard

C-PLANT

Charter #7524 · KY

1069 CUs in 100M-500M nationally 10 in KY

C-PLANT has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 60.9% in tier
+ ROA 0.41% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 59.4% in tier
- Membership Headwinds: Bottom 59.9% in tier
- Stagnation Risk: Bottom 63.1% in tier
- Credit Risk Growth: Bottom 85.9% in tier
- Member decline: -2.1% YoY
- Share Certificate Concentration (%): Bottom 6.0% in tier
- Loan-to-Share Ratio: Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	15,891 -2.1% YoY-0.4% QoQ	+453	15,437 -2.9% YoY	18,352 +6.1% YoY	33,374 +5.7% YoY	61%
Assets	$350.9M +7.0% YoY+1.9% QoQ	+$119.0M	$231.9M +1.3% YoY	$297.6M +11.0% YoY	$561.6M +9.7% YoY	82%
Loans	$137.9M +1.3% YoY+1.8% QoQ	$-9.4M	$147.3M -0.1% YoY	$214.0M +12.0% YoY	$397.0M +8.8% YoY	56%
Deposits	$297.6M +6.4% YoY+1.9% QoQ	+$96.8M	$200.8M +0.8% YoY	$249.6M +10.9% YoY	$477.3M +9.7% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% -4.4% YoY-9.0% QoQ	+0.4%	0.8% +18.2% YoY	0.3% -193.7% YoY	0.7% +15.9% YoY	78%
NIM	3.0% +3.7% YoY+0.5% QoQ	-0.6%	3.6% +6.7% YoY	3.7% -0.4% YoY	3.8% +5.1% YoY	18%
Efficiency Ratio	68.8% +4.0% YoY+2.9% QoQ	-8.2%	77.0% -3.1% YoY	85.5% -17.8% YoY	79.7% -3.3% YoY	22%
Delinquency Rate	0.7% +30.9% YoY+55.4% QoQ	-0.2	0.9% +4.2% YoY	1.1% -5.8% YoY	1.3% -2.1% YoY	46%
Loan To Share	46.3% -4.8% YoY-0.1% QoQ	-25.9%	72.2% -1.1% YoY	65.9% -3.9% YoY	67.4% -1.7% YoY	Bottom 7.8% in tier
AMR	$27,409 +7.0% YoY+2.2% QoQ	+$3K	$24,676 +3.4% YoY	$17,204 +6.4% YoY	$19,687 +2.0% YoY	74%
CD Concentration	41.4% +3.4% YoY+3.7% QoQ	+17.0%	24.4%	22.4%	19.8%	50%
Indirect Auto %	12.9% +36.9% YoY+11.9% QoQ	-0.9%	13.8%	7.7%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#313 of 513 • Top 60.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.04%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#419 of 705 • Bottom 59.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Membership Headwinds

decline

#332 of 554 • Bottom 59.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.12%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#350 of 554 • Bottom 63.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.12%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.34%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.66%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#392 of 456 • Bottom 85.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.34%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

182

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: -

#182 of 1069 Top 16.9% in 100M-500M tier

183

Net Worth Ratio

risk

Value: 14.60%

Peer Median: -

#183 of 1069 Top 17.0% in 100M-500M tier

194

Total Assets

balance_sheet

Value: $350.85M

Peer Median: -

#194 of 1069 Top 18.1% in 100M-500M tier

203

Total Deposits

balance_sheet

Value: $297.62M

Peer Median: -

#203 of 1069 Top 18.9% in 100M-500M tier

230

Return on Assets (ROA)

profitability

Value: 1.17%

Peer Median: -

#230 of 1069 Top 21.4% in 100M-500M tier

242

Efficiency Ratio

profitability

Value: 68.80%

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

247

AMR Growth Rate

growth

Value: 7.04%

Peer Median: -

#247 of 1069 Top 23.0% in 100M-500M tier

Top Weaknesses (3 metrics)

1006

Share Certificate Concentration (%)

balance_sheet

Value: 41.42%

Peer Median: -

#1006 of 1069 Bottom 6.0% in 100M-500M tier

986

Loan-to-Share Ratio

balance_sheet

Value: 46.35%

Peer Median: -

#986 of 1069 Bottom 7.9% in 100M-500M tier

881

Net Interest Margin (NIM)

profitability

Value: 2.98%

Peer Median: -

#881 of 1069 Bottom 17.7% in 100M-500M tier