BlastPoint's Credit Union Scorecard
TAYCO EMPLOYEES
Charter #10177 · KY
TAYCO EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Delinquency rate 11.78% above tier average
- - Member decline: -9.8% YoY
- - Deposit Growth Rate: Bottom 1.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.5% in tier
- - Average Member Relationship (AMR): Bottom 5.5% in tier
- - Total Deposits: Bottom 5.7% in tier
- - Asset Growth Rate: Bottom 6.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -20.4% year over year ($830K in shares and deposits).
- Membership: 361 members, -9.8% vs a year ago.
- Delinquency rate 13.33%.
- Return on assets 1.01%.
- Efficiency ratio 79.03% vs a 88.77% peer average.
- Loan-to-share ratio 57.47% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
361
-9.8% YoY-5.7% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Bottom 9.7% in tier |
| Assets |
$1.9M
-9.3% YoY-6.7% QoQ
|
$-28.4M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.7% in tier |
| Loans |
$477,279
-12.9% YoY-3.6% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.4% in tier |
| Deposits |
$830,477
-20.4% YoY-14.4% QoQ
|
$-25.0M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.6% in tier |
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| ROA |
1.0%
-254.6% YoY+29.5% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
3.4%
-8.3% YoY+4.4% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
79.0%
+6.6% YoY+2.2% QoQ
|
-9.7% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
13.3%
+2412.3% YoY+143.7% QoQ
|
+11.8 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.5% in tier |
| Loan To Share |
57.5%
+9.4% YoY+12.6% QoQ
|
-1.4% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$3,623
-9.0% YoY-5.3% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.4% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)