BlastPoint's Credit Union Scorecard
OLD KENTUCKY HOME
Charter #18172 · KY
OLD KENTUCKY HOME has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.32% above tier average
- + Strong member growth: 10.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 8.77% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,231
+10.2% YoY+0.0% QoQ
|
-394 |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$19.2M
-1.5% YoY-1.5% QoQ
|
$-10.7M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$13.0M
+1.2% YoY+2.3% QoQ
|
$-2.8M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$16.8M
-1.5% YoY+0.3% QoQ
|
$-8.6M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
48% |
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 |
0.2%
-86.0% YoY-5.8% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
5.2%
-0.4% YoY+3.1% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
Top 10.1% in tier |
| Efficiency Ratio |
90.2%
+20.4% YoY+0.4% QoQ
|
+8.8% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.4%
-38.1% YoY+70.9% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
77.1%
+2.7% YoY+1.9% QoQ
|
+15.9% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$13,357
-9.5% YoY+1.1% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
17.7%
+42.8% YoY+13.9% QoQ
|
-6.7% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)