BlastPoint's Credit Union Scorecard
KINETIC
Charter #10866 · GA
KINETIC has 8 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 43.0% in tier
- + ROA 0.90% above tier average
- + Net Interest Margin 0.65% above tier average
- + First Mortgage Concentration (%): Top 2.4% in tier
- + Efficiency Ratio: Top 4.8% in tier
- + Deposit Growth Rate: Top 8.5% in tier
- + Asset Growth Rate: Top 9.7% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.0% in tier
- - Stagnation Risk: Bottom 53.9% in tier
- - Credit Quality Pressure: Bottom 67.5% in tier
- - Membership Headwinds: Bottom 72.7% in tier
- - Credit Risk Growth: Bottom 90.1% in tier
- - Delinquency rate 0.77% above tier average
- - Indirect Auto Concentration (%): Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,880
-1.6% YoY-0.5% QoQ
|
+6.3K |
38,575
-4.8% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$652.1M
+11.5% YoY+3.9% QoQ
|
+$30.4M |
$621.7M
+0.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$435.5M
+1.1% YoY+1.2% QoQ
|
+$5.7M |
$429.8M
-1.8% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$557.7M
+11.2% YoY+4.3% QoQ
|
+$19.0M |
$538.7M
+0.6% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
1.6%
-5.5% YoY-8.1% QoQ
|
+0.9% |
0.7%
+42.9% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 4.8% in tier |
| NIM |
4.1%
-1.6% YoY-2.4% QoQ
|
+0.6% |
3.4%
+8.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
63.3%
-1.2% YoY+1.8% QoQ
|
-14.2% |
77.5%
-4.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate |
1.6%
+7.8% YoY-5.1% QoQ
|
+0.8 |
0.8%
-1.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Top 12.1% in tier |
| Loan To Share |
78.1%
-9.1% YoY-2.9% QoQ
|
-1.8% |
79.8%
-2.3% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$22,130
+8.3% YoY+3.4% QoQ
|
$-5K |
$26,849
+2.7% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
31.4%
+17.5% YoY-0.1% QoQ
|
+6.9% | 24.4% | 20.5% | 19.8% | 75% |
| Indirect Auto % |
46.7%
-7.3% YoY-3.4% QoQ
|
+32.9% | 13.8% | 4.4% | 7.8% | Top 4.2% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)