BlastPoint's Credit Union Scorecard

OLD KENTUCKY HOME

Charter #18172 · KY

<100M

2508 CUs in <100M nationally 35 in KY

OLD KENTUCKY HOME has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.28% above tier average
+ Net Interest Margin 1.00% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 2.75% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	2,251 +2.2% YoY-3.4% QoQ	-425	2,676 +1.6% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	57%
Assets	$19.6M -2.4% YoY+0.2% QoQ	$-10.6M	$30.2M +1.3% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	47%
Loans	$13.6M +8.1% YoY-1.8% QoQ	$-1.7M	$15.3M -2.0% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	59%
Deposits	$17.2M -2.9% YoY+0.5% QoQ	$-8.6M	$25.8M +0.7% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +116.7% QoQ	+0.3%	0.1% -77.6% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	41%
NIM	5.0% -2.6% YoY-4.3% QoQ	+1.0%	4.0% +4.0% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	Top 11.6% in tier
Efficiency Ratio	93.4% +2.1% YoY+2.7% QoQ	+2.7%	90.6% +6.5% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	75%
Delinquency Rate	0.2% -11.6% YoY-48.1% QoQ	-1.3	1.5% +3.8% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	30%
Loan To Share	79.3% +11.3% YoY-2.2% QoQ	+20.7%	58.5% -3.0% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	81%
AMR	$13,665 -0.5% YoY+3.0% QoQ	$-1K	$14,884 -1.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	49%
CD Concentration	19.3% +66.4% YoY-2.4% QoQ	-5.0%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

292

Net Interest Margin (NIM)

profitability

Value: 5.01%

Peer Median: 3.83%

#292 of 2508 Top 11.6% in <100M tier

334

Loan Growth Rate

growth

Value: 8.12%

Peer Median: -2.36%

#334 of 2508 Top 13.3% in <100M tier

397

Member Growth Rate

growth

Value: 2.18%

Peer Median: -1.37%

#397 of 2508 Top 15.8% in <100M tier

462

Fee Income Per Member

profitability

Value: $126.32

Peer Median: $60.42

#462 of 2508 Top 18.4% in <100M tier

482

Loan-to-Share Ratio

balance_sheet

Value: 79.26%

Peer Median: 58.72%

#482 of 2508 Top 19.2% in <100M tier

Top Weaknesses (1 metrics)

1995

Members Per Employee (MPE)

engagement

Value: 225.100

Peer Median: 333.750

#1995 of 2508 Bottom 20.5% in <100M tier