BlastPoint's Credit Union Scorecard
TAYCO EMPLOYEES
Charter #10177 · KY
TAYCO EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Net Worth Ratio: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.97% above tier average
- - Member decline: -3.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Total Deposits: Bottom 6.9% in tier
- - Loan Growth Rate: Bottom 7.3% in tier
- - Total Loans: Bottom 7.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
383
-3.8% YoY-3.8% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
Bottom 10.4% in tier |
| Assets |
$2.0M
-2.9% YoY+0.4% QoQ
|
$-28.2M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.4% in tier |
| Loans |
$495,096
-18.9% YoY-9.5% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.5% in tier |
| Deposits |
$970,018
-8.3% YoY+0.4% QoQ
|
$-24.8M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.8% in tier |
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| ROA |
0.8%
-81.2% YoY+112.3% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
3.3%
+7.3% YoY-7.5% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
77.3%
-18.4% YoY+15.0% QoQ
|
-13.3% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
5.5%
+6.1% YoY-51.1% QoQ
|
+4.0 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
51.0%
-11.6% YoY-9.9% QoQ
|
-7.5% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$3,825
-8.8% YoY+0.6% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)