BlastPoint's Credit Union Scorecard
KENNAFORD
Charter #12900 · PA
KENNAFORD has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 Worth Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 22.73% above tier (higher cost structure)
- - Delinquency rate 1.65% above tier average
- - Member decline: -11.4% YoY
- - Member Growth Rate: Bottom 4.3% in tier
- - Asset Growth Rate: Bottom 5.0% in tier
- - Fee Income Per Member: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
695
-11.4% YoY-0.7% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$4.0M
-9.6% YoY+0.5% QoQ
|
$-26.2M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$1.9M
-14.5% YoY-5.5% QoQ
|
$-13.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$2.7M
-8.1% YoY+0.7% QoQ
|
$-23.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.4% in tier |
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| ROA |
-0.2%
-65.0% YoY-5.4% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.9% in tier |
| NIM |
3.2%
+45.0% YoY+1.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
105.3%
-13.6% YoY-0.4% QoQ
|
+22.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
3.2%
+254.4% YoY+13.6% QoQ
|
+1.7 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 11.9% in tier |
| Loan To Share |
70.2%
-7.0% YoY-6.2% QoQ
|
+9.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$6,641
+0.6% YoY-1.2% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 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)