BlastPoint's Credit Union Scorecard
W B H EMPLOYEES
Charter #10274 · KY
W B H EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.49% above tier average
- + AMR Growth Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 27.19% above tier (higher cost structure)
- - Member decline: -17.7% YoY
- - Member Growth Rate: Bottom 2.3% in tier
- - Net Charge-Off Rate: Bottom 4.4% 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 +6.1% year over year ($15.1M in shares and deposits).
- Membership: 1,867 members, -17.7% vs a year ago.
- Delinquency rate 0.05%.
- Return on assets 1.78%.
- Efficiency ratio 115.95% vs a 88.77% peer average.
- Loan-to-share ratio 48.08% 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 |
1,867
-17.7% YoY-19.4% QoQ
|
-718 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$17.6M
+2.8% YoY+3.0% QoQ
|
$-12.7M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$7.3M
-16.4% YoY-1.1% QoQ
|
$-8.2M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$15.1M
+6.1% YoY+3.4% QoQ
|
$-10.7M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
1.8%
+292.2% YoY-183.9% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
Top 13.5% in tier |
| NIM |
4.4%
-12.5% YoY-5.3% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
116.0%
+47.7% YoY+8.8% QoQ
|
+27.2% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate |
0.1%
-96.1% YoY-92.8% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
48.1%
-21.2% YoY-4.4% QoQ
|
-10.8% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$12,003
+18.5% YoY+26.4% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
10.5%
-8.3% YoY-2.2% QoQ
|
-14.1% | 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)