BlastPoint's Credit Union Scorecard
K I T
Charter #16947 · KY
K I T demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Net Interest Margin 0.47% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,841
-0.1% YoY-0.6% QoQ
|
-774 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$22.2M
+7.2% YoY+2.5% QoQ
|
$-7.9M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$14.5M
+3.2% YoY+3.0% QoQ
|
$-1.2M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$19.5M
+6.0% YoY+2.6% QoQ
|
$-6.2M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
52% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.9%
+95.0% YoY-15.8% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Top 8.6% in tier |
| NIM |
4.4%
+12.3% YoY-0.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
66.0%
-17.1% YoY+6.8% QoQ
|
-16.6% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.2%
-75.1% YoY+50.6% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
74.7%
-2.6% YoY+0.3% QoQ
|
+14.1% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$18,475
+4.9% YoY+3.4% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
19.8%
-6.9% YoY+5.6% QoQ
|
-4.6% | 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)