BlastPoint's Credit Union Scorecard
W B H EMPLOYEES
Charter #10274 · KY
W B H EMPLOYEES has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.62% above tier average
Key Concerns
Areas that may need attention
- - ROA 2.26% below tier average
- - Efficiency ratio 15.98% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 6.8% in tier
- - AMR Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,315
+2.9% YoY+0.7% QoQ
|
-361 |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$17.0M
-0.7% YoY+3.2% QoQ
|
$-13.2M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$7.4M
-19.4% YoY-7.7% QoQ
|
$-7.9M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$14.6M
+1.6% YoY+4.2% QoQ
|
$-11.2M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
-2.1%
-460.5% YoY+20.7% QoQ
|
-2.3% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.4% in tier |
| NIM |
4.6%
-10.5% YoY-9.1% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
106.6%
+35.6% YoY+23.2% QoQ
|
+16.0% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
0.7%
+114.1% YoY
|
-0.8 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
50.3%
-20.7% YoY-11.4% QoQ
|
-8.2% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$9,498
-9.2% YoY-0.8% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
10.7%
+33.9% YoY-8.0% QoQ
|
-13.6% | 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)