BlastPoint's Credit Union Scorecard

CORNING GLASS WORKS HARRODSBG

Charter #11285 · KY

2556 CUs in <100M nationally 37 in KY

CORNING GLASS WORKS HARRODSBG has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.42% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 1.0% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 2.13% above tier average
  • - Member decline: -6.2% YoY
  • - Fee Income Per Member: Bottom 8.4% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 656
-6.2% YoY-2.1% QoQ
-2.0K 2,615
-1.9% YoY
18,352
+6.1% YoY
33,374
+5.7% YoY
18%
Assets $5.1M
-3.1% YoY-1.0% QoQ
$-25.0M $30.1M
+2.1% YoY
$297.6M
+11.0% YoY
$561.6M
+9.7% YoY
19%
Loans $2.1M
-3.3% YoY-3.2% QoQ
$-13.7M $15.8M
-1.3% YoY
$214.0M
+12.0% YoY
$397.0M
+8.8% YoY
18%
Deposits $3.9M
-5.4% YoY-0.9% QoQ
$-21.8M $25.7M
+1.4% YoY
$249.6M
+10.9% YoY
$477.3M
+9.7% YoY
19%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.0%
+92.8% YoY-12.8% QoQ
+0.4% 0.6%
+10.8% YoY
0.3%
-193.7% YoY
0.7%
+15.9% YoY
68%
NIM 2.9%
-2.9% YoY+1.5% QoQ
-1.0% 4.0%
+4.0% YoY
3.7%
-0.4% YoY
3.8%
+5.1% YoY
17%
Efficiency Ratio 78.8%
+19.5% YoY+7.4% QoQ
-3.8% 82.6%
-2.3% YoY
85.5%
-17.8% YoY
79.7%
-3.3% YoY
48%
Delinquency Rate 3.7%
+154.9% YoY-37.8% QoQ
+2.1 1.6%
-3.1% YoY
1.1%
-5.8% YoY
1.3%
-2.1% YoY
Top 9.7% in tier
Loan To Share 53.8%
+2.2% YoY-2.3% QoQ
-6.8% 60.6%
-3.1% YoY
65.9%
-3.9% YoY
67.4%
-1.7% YoY
39%
AMR $9,138
+1.6% YoY+0.4% QoQ
$-6K $14,783
-1.4% YoY
$17,204
+6.4% YoY
$19,687
+2.0% YoY
24%
CD Concentration 0.0% -24.4% 24.4% 22.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.7% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2556 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
27
Net Charge-Off Rate
risk
Value: -0.49%
Peer Median: -
#27 of 2556 Top 1.0% in <100M tier
361
Net Worth Ratio
risk
Value: 23.20%
Peer Median: -
#361 of 2556 Top 14.1% in <100M tier

Top Weaknesses (12 metrics)

2343
Fee Income Per Member
profitability
Value: $1.68
Peer Median: -
#2343 of 2556 Bottom 8.4% in <100M tier
2309
Total Delinquency Rate (60+ days)
risk
Value: 3.69%
Peer Median: -
#2309 of 2556 Bottom 9.7% in <100M tier
2248
Member Growth Rate
growth
Value: -6.15%
Peer Median: -
#2248 of 2556 Bottom 12.1% in <100M tier
2143
Deposit Growth Rate
growth
Value: -5.36%
Peer Median: -
#2143 of 2556 Bottom 16.2% in <100M tier
2132
Net Interest Margin (NIM)
profitability
Value: 2.91%
Peer Median: -
#2132 of 2556 Bottom 16.6% in <100M tier
2098
Total Members
engagement
Value: 656
Peer Median: -
#2098 of 2556 Bottom 18.0% in <100M tier
2096
Total Loans
balance_sheet
Value: $2.10M
Peer Median: -
#2096 of 2556 Bottom 18.0% in <100M tier
2078
Total Deposits
balance_sheet
Value: $3.90M
Peer Median: -
#2078 of 2556 Bottom 18.7% in <100M tier
2073
Members Per Employee (MPE)
engagement
Value: 218.667
Peer Median: -
#2073 of 2556 Bottom 18.9% in <100M tier
2061
Total Assets
balance_sheet
Value: $5.10M
Peer Median: -
#2061 of 2556 Bottom 19.4% in <100M tier
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