BlastPoint's Credit Union Scorecard

KINETIC

Charter #10866 · GA

Community 500M-750M

167 CUs in 500M-750M nationally 3 in GA

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KINETIC has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 14.9% in tier
+ First Mortgage Concentration (%): Top 2.4% in tier
+ Deposit Growth Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 10.6% in tier
- Efficiency Drag: Bottom 10.8% in tier
- Credit Quality Pressure: Bottom 25.1% in tier
- Credit Risk Growth: Bottom 63.0% in tier
- Stagnation Risk: Bottom 72.3% in tier
- Membership Headwinds: Bottom 72.3% in tier
- ROA 1.12% below tier average
- Efficiency ratio 13.24% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	44,676 -1.9% YoY-0.5% QoQ	+6.6K	38,079 -4.8% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	77%
Assets	$660.7M +10.1% YoY+1.3% QoQ	+$41.0M	$619.7M -0.2% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	68%
Loans	$433.6M +0.9% YoY-0.4% QoQ	+$14.3M	$419.3M -1.4% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	53%
Deposits	$567.1M +10.4% YoY+1.7% QoQ	+$27.7M	$539.5M -0.1% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	65%

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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	-0.4% -125.8% YoY-127.8% QoQ	-1.1%	0.7% +36.0% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	Bottom 2.4% in tier
NIM	2.3% -46.3% YoY-44.2% QoQ	-1.2%	3.5% +4.5% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	Bottom 1.8% in tier
Efficiency Ratio	91.6% +47.7% YoY+44.6% QoQ	+13.2%	78.4% -3.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	Bottom 7.8% in tier
Delinquency Rate	1.3% +17.2% YoY-16.3% QoQ	+0.6	0.7% -0.9% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	Bottom 9.0% in tier
Loan To Share	76.5% -8.6% YoY-2.1% QoQ	-1.2%	77.7% -1.2% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	39%
AMR	$22,401 +8.1% YoY+1.2% QoQ	$-5K	$26,927 +3.1% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	26%
CD Concentration	31.6% +13.5% YoY+0.9% QoQ	+7.4%	24.3%	20.0%	19.8%	76%
Indirect Auto %	45.3% -9.7% YoY-2.9% QoQ	+31.5%	13.8%	4.3%	7.7%	Bottom 5.1% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#199 of 491 • Top 14.9% in tier

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

Why This Signature

AMR Growth (YoY): 8.13%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (6)

Indirect Auto Dependency

risk

#1 of 504 • Bottom 10.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.14%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 45.33%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Stagnation Risk

risk

#251 of 570 • Bottom 72.3% 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): -1.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.93%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.35%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

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

Credit Quality Pressure

risk

#335 of 727 • Bottom 25.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#311 of 596 • Bottom 10.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.62%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -2.11% points

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

worse than tier avg

Member Growth (YoY): -1.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Membership Headwinds

decline

#370 of 570 • Bottom 72.3% in tier

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

Why This Signature

Member Growth (YoY): -1.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

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

Credit Risk Growth

risk

#384 of 476 • Bottom 63.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.93%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | 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 167 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 11.01%

Peer Median: 32.87%

#5 of 167 Top 2.4% in 500M-750M tier

Deposit Growth Rate

growth

Value: 10.42%

Peer Median: 4.02%

#17 of 167 Top 9.6% in 500M-750M tier

Net Worth Ratio

risk

Value: 13.90%

Peer Median: 10.35%

#21 of 167 Top 12.0% in 500M-750M tier

Asset Growth Rate

growth

Value: 10.14%

Peer Median: 4.66%

#24 of 167 Top 13.8% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.13%

Peer Median: 4.03%

#24 of 167 Top 13.8% in 500M-750M tier

Fee Income Per Member

profitability

Value: $254.73

Peer Median: $178.80

#32 of 167 Top 18.6% in 500M-750M tier

Total Members

engagement

Value: 44,676

Peer Median: 36,874

#39 of 167 Top 22.8% in 500M-750M tier

Top Weaknesses (7 metrics)

164

Net Interest Margin (NIM)

profitability

Value: 2.28%

Peer Median: 3.48%

#164 of 167 Bottom 2.4% in 500M-750M tier

163

Return on Assets (ROA)

profitability

Value: -0.43%

Peer Median: 0.61%

#163 of 167 Bottom 3.0% in 500M-750M tier

161

Net Charge-Off Rate

risk

Value: 1.22%

Peer Median: 0.39%

#161 of 167 Bottom 4.2% in 500M-750M tier

159

Indirect Auto Concentration (%)

balance_sheet

Value: 45.33%

Peer Median: 10.91%

#159 of 167 Bottom 5.4% in 500M-750M tier

155

Efficiency Ratio

profitability

Value: 91.62%

Peer Median: 78.61%

#155 of 167 Bottom 7.8% in 500M-750M tier

153

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Median: 0.62%

#153 of 167 Bottom 9.0% in 500M-750M tier

130

Member Growth Rate

growth

Value: -1.87%

Peer Median: 1.03%

#130 of 167 Bottom 22.8% in 500M-750M tier