BlastPoint's Credit Union Scorecard
W B H EMPLOYEES
Charter #10274 · KY
W B H EMPLOYEES has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.46% below tier average
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Asset Growth Rate: Bottom 2.6% in tier
- - AMR Growth Rate: Bottom 2.7% in tier
- - Deposit Growth Rate: Bottom 4.0% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,287
+3.4% YoY+0.8% QoQ
|
-338 |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$16.9M
-13.3% YoY-0.9% QoQ
|
$-12.9M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$8.2M
-18.2% YoY-6.1% QoQ
|
$-7.6M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
45% |
| Deposits |
$14.4M
-13.5% YoY+0.7% QoQ
|
$-11.1M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
-1.8%
-423.3% YoY-491.9% QoQ
|
-2.5% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.6% in tier |
| NIM |
5.1%
+12.4% YoY+1.3% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
Top 12.9% in tier |
| Efficiency Ratio |
80.2%
+10.4% YoY+2.2% QoQ
|
-1.2% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.1%
-94.8% YoY-93.1% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
56.9%
-5.5% YoY-6.7% QoQ
|
-4.3% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$9,851
-18.0% YoY-2.7% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
12.3%
+130.0% YoY+7.3% QoQ
|
-12.1% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)