BlastPoint's Credit Union Scorecard

THE HEALTH & EDUCATION

Charter #10800 · KY

100M-500M

1070 CUs in 100M-500M nationally 10 in KY

THE HEALTH & EDUCATION has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.97% above tier average
+ Net Interest Margin 0.19% above tier average
+ Efficiency Ratio: Top 3.2% in tier
+ Share Certificate Concentration (%): Top 3.2% in tier
+ Net Worth Ratio: Top 6.8% in tier
+ Members Per Employee (MPE): Top 8.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Member decline: -3.8% YoY
- Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- Average Member Relationship (AMR): Bottom 2.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	12,288 -3.8% YoY+0.5% QoQ	-2.9K	15,145 -2.5% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	45%
Assets	$125.3M +4.0% YoY+3.3% QoQ	$-106.5M	$231.7M +0.8% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	16%
Loans	$44.7M +3.7% YoY+0.6% QoQ	$-99.5M	$144.1M +0.2% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	Bottom 4.0% in tier
Deposits	$104.7M +2.3% YoY+3.4% QoQ	$-96.5M	$201.1M +0.4% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	Bottom 13.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.7% -8.4% YoY-19.1% QoQ	+1.0%	0.7% +5.1% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	Top 7.3% in tier
NIM	3.8% +2.4% YoY-3.1% QoQ	+0.2%	3.6% +4.6% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	52.7% +11.6% YoY+7.5% QoQ	-25.3%	78.0% -1.7% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	Top 3.2% in tier
Delinquency Rate	0.3% -26.9% YoY-46.4% QoQ	-0.5	0.8% +7.1% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	22%
Loan To Share	42.7% +1.4% YoY-2.6% QoQ	-27.7%	70.4% -0.4% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	Bottom 6.0% in tier
AMR	$12,154 +6.8% YoY+2.0% QoQ	$-13K	$24,918 +2.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	Bottom 2.0% in tier
CD Concentration	3.0% -15.7% YoY+0.1% QoQ	-21.3%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#298 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.81%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Liquidity Overhang

risk

#40 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.21%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 42.68%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | New qualifier

Membership Headwinds

decline

#191 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Margin Compression

decline

#86 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.70%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.85%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Stagnation Risk

risk

#372 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.72%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Cost Spiral

risk

#63 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.49% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 44.53%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 52.68%

Peer Median: 78.68%

#35 of 1070 Top 3.2% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 2.97%

Peer Median: 23.10%

#35 of 1070 Top 3.2% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.21%

Peer Median: 11.45%

#74 of 1070 Top 6.8% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.70%

Peer Median: 0.69%

#78 of 1070 Top 7.2% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 472.615

Peer Median: 309.176

#91 of 1070 Top 8.4% in 100M-500M tier

231

AMR Growth Rate

growth

Value: 6.81%

Peer Median: 3.46%

#231 of 1070 Top 21.5% in 100M-500M tier

241

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.61%

#241 of 1070 Top 22.4% in 100M-500M tier

Top Weaknesses (9 metrics)

1058

Loan-to-Member Ratio (LMR)

engagement

Value: $3,636

Peer Median: $9,356

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1049

Average Member Relationship (AMR)

engagement

Value: $12,154

Peer Median: $22,931

#1049 of 1070 Bottom 2.1% in 100M-500M tier

1040

Fee Income Per Member

profitability

Value: $41.20

Peer Median: $154.95

#1040 of 1070 Bottom 2.9% in 100M-500M tier

1027

Total Loans

balance_sheet

Value: $44.68M

Peer Median: $121.41M

#1027 of 1070 Bottom 4.1% in 100M-500M tier

1006

Loan-to-Share Ratio

balance_sheet

Value: 42.68%

Peer Median: 71.88%

#1006 of 1070 Bottom 6.1% in 100M-500M tier

922

Total Deposits

balance_sheet

Value: $104.67M

Peer Median: $171.29M

#922 of 1070 Bottom 13.9% in 100M-500M tier

909

Member Growth Rate

growth

Value: -3.84%

Peer Median: -0.06%

#909 of 1070 Bottom 15.1% in 100M-500M tier

896

Total Assets

balance_sheet

Value: $125.25M

Peer Median: $196.57M

#896 of 1070 Bottom 16.4% in 100M-500M tier

818

First Mortgage Concentration (%)

balance_sheet

Value: 42.56%

Peer Median: 29.47%

#818 of 1070 Bottom 23.6% in 100M-500M tier