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
- + AMR Growth Rate: Top 2.3% in tier
- + Net Charge-Off Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 24.77% above tier (higher cost structure)
- - Member decline: -27.8% YoY
- - Member Growth Rate: Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 2.6% in tier
- - First Mortgage Concentration (%): Bottom 6.5% in tier
- - Net Worth Ratio: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,641
-27.8% YoY-2.4% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$27.1M
-0.8% YoY-2.8% QoQ
|
$-3.1M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$8.6M
-30.7% YoY-12.5% QoQ
|
$-6.7M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$24.5M
-1.5% YoY-2.7% QoQ
|
$-1.2M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
-0.8%
-29.0% YoY+48.3% QoQ
|
-1.0% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.5% in tier |
| NIM |
3.2%
-12.0% YoY-7.0% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
115.4%
+7.9% YoY+7.3% QoQ
|
+24.8% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.0% in tier |
| Delinquency Rate |
0.1%
-52.9% YoY-57.3% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
35.0%
-29.6% YoY-10.1% QoQ
|
-23.5% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$20,198
+22.9% YoY-3.1% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
79% |
| CD Concentration |
20.4%
-18.4% YoY-12.2% QoQ
|
-3.9% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)