BlastPoint's Credit Union Scorecard

KINETIC

Charter #10866 · GA

Community 500M-750M

169 CUs in 500M-750M nationally 4 in GA

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KINETIC has 8 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

+ Profitability Leader: Top 25.4% in tier
+ Wallet Share Momentum: Top 57.9% in tier
+ ROA 1.04% above tier average
+ Net Interest Margin 0.76% above tier average
+ First Mortgage Concentration (%): Top 3.6% in tier
+ Efficiency Ratio: Top 5.9% in tier
+ Net Worth Ratio: Top 8.3% in tier
+ Asset Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 0.1% in tier
- Stagnation Risk: Bottom 11.6% in tier
- Credit Quality Pressure: Bottom 13.5% in tier
- Credit Risk Growth: Bottom 24.6% in tier
- Membership Headwinds: Bottom 26.6% in tier
- Delinquency rate 0.90% above tier average
- Indirect Auto Concentration (%): Bottom 4.1% in tier
- Total Delinquency Rate (60+ days): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	45,104 -1.2% YoY-0.5% QoQ	+5.4K	39,752 -2.7% YoY	30,529 +3.7% YoY	33,089 +6.1% YoY	70%
Assets	$627.5M +10.6% YoY+2.0% QoQ	+$5.1M	$622.4M +0.3% YoY	$489.5M +5.8% YoY	$547.7M +7.8% YoY	51%
Loans	$430.3M +0.6% YoY-0.1% QoQ	$-5.6M	$435.9M -0.4% YoY	$335.0M +9.2% YoY	$388.7M +8.6% YoY	46%
Deposits	$534.8M +10.1% YoY+1.6% QoQ	$-3.2M	$538.0M +1.3% YoY	$419.7M +4.9% YoY	$464.6M +9.3% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% +0.6% YoY+4.2% QoQ	+1.0%	0.7% +33.9% YoY	1.1% +41.8% YoY	0.7% +273.4% YoY	Top 4.7% in tier
NIM	4.2% +0.4% YoY-0.9% QoQ	+0.8%	3.4% +8.6% YoY	4.2% +4.4% YoY	3.7% +5.0% YoY	Top 8.9% in tier
Efficiency Ratio	62.2% -2.6% YoY-0.1% QoQ	-15.8%	78.1% -3.4% YoY	76.7% +1.1% YoY	79.1% -3.3% YoY	Bottom 5.9% in tier
Delinquency Rate	1.7% +15.2% YoY+10.8% QoQ	+0.9	0.8% -4.9% YoY	1.3% +2.5% YoY	1.2% -0.9% YoY	Top 9.5% in tier
Loan To Share	80.5% -8.6% YoY-1.7% QoQ	-0.6%	81.0% -1.8% YoY	72.3% +1.1% YoY	68.0% -1.7% YoY	43%
AMR	$21,398 +7.0% YoY+1.3% QoQ	$-5K	$26,482 +2.6% YoY	$17,296 +4.1% YoY	$19,418 +1.3% YoY	23%
CD Concentration	31.4% +18.2% YoY+4.8% QoQ	+7.0%	24.4% +4.2% YoY	19.9% +4.7% YoY	19.6% +6.2% YoY	74%
Indirect Auto %	48.3% -4.4% YoY-2.9% QoQ	+34.3%	14.0% -5.7% YoY	4.6% +4.3% YoY	7.9% -2.9% YoY	Top 4.0% in tier

Signature Analysis

Strengths (2)

Profitability Leader

growth

#87 of 340 • Top 25.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.69%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#279 of 481 • Top 57.9% in tier

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

Why This Signature

AMR Growth (YoY): 7.01%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#2 of 525 • Bottom 0.1% in tier

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

Why This Signature

Asset Growth (YoY): 10.62%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 48.28%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.23%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk

#192 of 550 • Bottom 11.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.65%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.70%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#334 of 736 • Bottom 13.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#369 of 446 • Bottom 24.6% in tier

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

Why This Signature

Loan Growth (YoY): 0.65%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.22% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Membership Headwinds

decline

#439 of 550 • Bottom 26.6% in tier

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

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (9 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 10.23%

Peer Avg: -

#7 of 169 Top 3.6% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Avg: -

#8 of 169 Top 4.1% in 500M-750M tier

Efficiency Ratio

profitability

Value: 62.25%

Peer Avg: -

#11 of 169 Top 5.9% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Avg: -

#15 of 169 Top 8.3% in 500M-750M tier

Net Worth Ratio

risk

Value: 14.63%

Peer Avg: -

#15 of 169 Top 8.3% in 500M-750M tier

Asset Growth Rate

growth

Value: 10.62%

Peer Avg: -

#17 of 169 Top 9.5% in 500M-750M tier

Deposit Growth Rate

growth

Value: 10.14%

Peer Avg: -

#25 of 169 Top 14.2% in 500M-750M tier

Fee Income Per Member

profitability

Value: $281.09

Peer Avg: -

#28 of 169 Top 16.0% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.01%

Peer Avg: -

#33 of 169 Top 18.9% in 500M-750M tier

Top Weaknesses (4 metrics)

163

Indirect Auto Concentration (%)

balance_sheet

Value: 48.28%

Peer Avg: -

#163 of 169 Bottom 4.1% in 500M-750M tier

154

Total Delinquency Rate (60+ days)

risk

Value: 1.70%

Peer Avg: -

#154 of 169 Bottom 9.5% in 500M-750M tier

145

Net Charge-Off Rate

risk

Value: 0.95%

Peer Avg: -

#145 of 169 Bottom 14.8% in 500M-750M tier

130

Average Member Relationship (AMR)

engagement

Value: $21,398

Peer Avg: -

#130 of 169 Bottom 23.7% in 500M-750M tier