BlastPoint's Credit Union Scorecard
TAYCO EMPLOYEES
Charter #10177 · KY
TAYCO EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Delinquency rate 9.63% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Average Member Relationship (AMR): Bottom 5.8% in tier
- - Total Deposits: Bottom 7.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.8% in tier
- - Total Loans: Bottom 7.9% in tier
- - Total Assets: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
398
-0.7% YoY0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 10.9% in tier |
| Assets |
$2.0M
-0.7% YoY-2.2% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.5% in tier |
| Loans |
$547,061
-12.8% YoY-4.0% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.8% in tier |
| Deposits |
$966,037
-3.9% YoY-5.0% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.0% in tier |
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| ROA |
0.4%
-67.7% YoY+447.4% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.6%
-14.3% YoY+2.8% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
67.2%
+33.7% YoY-0.1% QoQ
|
-15.4% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
11.2%
+865.0% YoY+2744.0% QoQ
|
+9.6 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Top 2.0% in tier |
| Loan To Share |
56.6%
-9.3% YoY+1.1% QoQ
|
-4.0% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$3,802
-6.6% YoY-4.7% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 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)