BlastPoint's Credit Union Scorecard
K I T
Charter #16947 · KY
K I T demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.79% above tier average
- + Net Interest Margin 0.45% above tier average
- + Fee Income Per Member: Top 4.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,844
0% YoY+0.2% QoQ
|
-832 |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$22.4M
+3.0% YoY+0.9% QoQ
|
$-7.8M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$14.6M
+6.0% YoY+0.3% QoQ
|
$-696K |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$19.6M
+1.4% YoY+0.8% QoQ
|
$-6.2M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
0.9%
-51.9% YoY-49.9% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
4.5%
-0.3% YoY+0.8% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
79.0%
+35.2% YoY+19.7% QoQ
|
-11.6% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
0.6%
-20.6% YoY+130.8% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
74.3%
+4.5% YoY-0.5% QoQ
|
+15.8% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$18,550
+3.4% YoY+0.4% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
20.0%
+13.1% YoY+1.2% QoQ
|
-4.3% | 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)