BlastPoint's Credit Union Scorecard
K I T
Charter #16947 · KY
K I T has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
- + Fee Income Per Member: Top 5.3% in tier
- + Loan Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
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 +8.0% year over year ($20.2M in shares and deposits).
- Membership: 1,883 members, +2.2% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.88%.
- Efficiency ratio 78.86% vs a 88.77% peer average.
- Loan-to-share ratio 76.32% 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 |
1,883
+2.2% YoY+2.1% QoQ
|
-702 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$23.1M
+8.0% YoY+3.0% QoQ
|
$-7.2M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$15.4M
+10.9% YoY+5.9% QoQ
|
$-12K |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$20.2M
+8.0% YoY+3.1% QoQ
|
$-5.6M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.9%
-67.3% YoY-5.8% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
4.5%
+2.8% YoY+1.6% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
78.9%
+43.2% YoY-0.2% QoQ
|
-9.9% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
0.4%
+13.3% YoY-36.6% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
76.3%
+2.6% YoY+2.7% QoQ
|
+17.4% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$18,951
+6.8% YoY+2.2% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
19.2%
+4.4% YoY-3.9% QoQ
|
-5.3% | 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)