BlastPoint's Credit Union Scorecard
GREEN RIVER AREA
Charter #12852 · KY
GREEN RIVER AREA has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
- + Net Interest Margin 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,965
-2.5% YoY-0.6% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
Top 14.3% in tier |
| Assets |
$57.9M
+5.5% YoY-1.1% QoQ
|
+$28.1M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$34.6M
+0.3% YoY-0.9% QoQ
|
+$18.9M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 14.3% in tier |
| Deposits |
$45.9M
+5.0% YoY-2.1% QoQ
|
+$20.4M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
79% |
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| ROA |
1.4%
+21.4% YoY+2.8% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
4.0%
+12.8% YoY+1.6% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
67.8%
-3.2% YoY-0.5% QoQ
|
-13.5% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.0%
-96.8% YoY-62.1% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
75.5%
-4.6% YoY+1.3% QoQ
|
+14.2% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$16,222
+5.5% YoY-1.0% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
15.7%
+11.7% YoY+4.9% QoQ
|
-8.7% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)