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 0.87% above tier average
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,963
-2.3% YoY-0.0% QoQ
|
+2.3K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 14.1% in tier |
| Assets |
$58.0M
+5.8% YoY+0.2% QoQ
|
+$27.9M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$34.8M
+1.9% YoY+0.6% QoQ
|
+$19.1M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 14.0% in tier |
| Deposits |
$45.8M
+5.2% YoY-0.2% QoQ
|
+$20.1M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
1.5%
+24.0% YoY+3.2% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
4.1%
+11.0% YoY+2.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
67.5%
-2.2% YoY-0.6% QoQ
|
-15.1% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.3%
-37.1% YoY+629.4% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
76.0%
-3.1% YoY+0.8% QoQ
|
+15.4% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$16,254
+6.2% YoY+0.2% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
14.4%
-4.1% YoY-8.2% QoQ
|
-10.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 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)