BlastPoint's Credit Union Scorecard
YOUR HOMETOWN
Charter #16702 · KY
YOUR HOMETOWN has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 1.4% in tier
- + Net Charge-Off Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Efficiency ratio 28.15% above tier (higher cost structure)
- - Delinquency rate 0.20% above tier average
- - Member decline: -36.2% YoY
- - Member Growth Rate: Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 2.1% in tier
- - First Mortgage Concentration (%): Bottom 5.9% in tier
- - Asset Growth Rate: Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -8.1% year over year ($23.1M in shares and deposits).
- Membership: 1,600 members, -36.2% vs a year ago.
- Delinquency rate 1.75%.
- Return on assets 0.71%.
- Efficiency ratio 116.92% vs a 88.77% peer average.
- Loan-to-share ratio 33.73% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,600
-36.2% YoY-2.5% QoQ
|
-985 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$25.6M
-7.0% YoY-5.5% QoQ
|
$-4.6M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$7.8M
-33.3% YoY-9.5% QoQ
|
$-7.7M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$23.1M
-8.1% YoY-5.9% QoQ
|
$-2.7M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
0.7%
-235.1% YoY-186.6% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
3.3%
-8.1% YoY+2.0% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
116.9%
+14.1% YoY+1.3% QoQ
|
+28.2% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate |
1.7%
+258.3% YoY+1315.3% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
33.7%
-27.5% YoY-3.7% QoQ
|
-25.2% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 15.0% in tier |
| AMR |
$19,295
+31.6% YoY-4.5% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
17.9%
-29.5% YoY-12.2% QoQ
|
-6.6% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 7.7% | 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)