BlastPoint's Credit Union Scorecard
W B H EMPLOYEES
Charter #10274 · KY
W B H EMPLOYEES has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.37% below tier average
- - Efficiency ratio 3.96% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 7.9% in tier
- - AMR Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,298
+3.0% YoY+0.5% QoQ
|
-317 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$16.5M
+1.0% YoY-2.5% QoQ
|
$-13.6M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$8.0M
-17.4% YoY-2.5% QoQ
|
$-7.8M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$14.0M
+3.5% YoY-2.2% QoQ
|
$-11.7M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
-1.8%
+273.3% YoY-1.2% QoQ
|
-2.4% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.5% in tier |
| NIM |
5.1%
+3.1% YoY+0.3% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Top 12.4% in tier |
| Efficiency Ratio |
86.5%
+23.4% YoY+7.8% QoQ
|
+4.0% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.0%
-99.5% YoY-82.9% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.3% in tier |
| Loan To Share |
56.8%
-20.2% YoY-0.2% QoQ
|
-3.8% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$9,576
-7.9% YoY-2.8% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
11.6%
+46.8% YoY-5.0% QoQ
|
-12.8% | 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)