BlastPoint's Credit Union Scorecard
YOUR HOMETOWN
Charter #16702 · KY
YOUR HOMETOWN has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 24.97% above tier (higher cost structure)
- - Member decline: -33.4% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 2.7% in tier
- - First Mortgage Concentration (%): Bottom 8.0% in tier
- - Net Worth Ratio: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,682
-33.4% YoY-32.7% QoQ
|
-933 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$27.9M
+4.2% YoY+0.7% QoQ
|
$-2.2M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$9.8M
-28.1% YoY-11.5% QoQ
|
$-5.9M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$25.2M
+5.1% YoY-0.9% QoQ
|
$-472K |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
-0.6%
-190.0% YoY-24.4% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.4% in tier |
| NIM |
3.4%
-3.2% YoY-1.4% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
107.5%
+36.2% YoY-2.9% QoQ
|
+25.0% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Top 7.2% in tier |
| Delinquency Rate |
0.3%
-69.6% YoY-69.9% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
39.0%
-31.6% YoY-10.8% QoQ
|
-21.6% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$20,833
+39.7% YoY+42.5% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
23.3%
-0.9% YoY-4.8% QoQ
|
-1.2% | 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)