BlastPoint's Credit Union Scorecard
AUDUBON
Charter #11168 · KY
AUDUBON has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Asset Growth Rate: Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 4.8% in tier
- - Indirect Auto Concentration (%): Bottom 6.1% in tier
- - Net Worth Ratio: Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -12.6% year over year ($31.2M in shares and deposits).
- Membership: 2,563 members, -1.7% vs a year ago.
- Delinquency rate 1.00%.
- Return on assets 0.78%.
- Efficiency ratio 77.09% vs a 88.77% peer average.
- Loan-to-share ratio 57.64% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,563
-1.7% YoY-0.2% QoQ
|
-22 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$34.4M
-10.9% YoY-1.1% QoQ
|
+$4.1M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$18.0M
+1.6% YoY+1.1% QoQ
|
+$2.6M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$31.2M
-12.6% YoY-1.3% QoQ
|
+$5.4M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.8%
+65.4% YoY-34.5% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
4.0%
+29.5% YoY+2.9% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
77.1%
-11.6% YoY+2.7% QoQ
|
-11.7% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
1.0%
+117.0% YoY+92.9% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
57.6%
+16.3% YoY+2.4% QoQ
|
-1.2% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$19,217
-6.3% YoY-0.3% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
21.8%
-0.9% YoY+7.2% QoQ
|
-2.8% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
17.1%
-25.8% YoY-8.1% QoQ
|
+3.5% | 13.6% | 7.6% | 7.7% | 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)