BlastPoint's Credit Union Scorecard
OLD KENTUCKY HOME
Charter #18172 · KY
OLD KENTUCKY HOME has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 8.38% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,331
+4.7% YoY+4.5% QoQ
|
-284 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$19.5M
-0.6% YoY+1.6% QoQ
|
$-10.6M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$13.8M
+10.0% YoY+6.7% QoQ
|
$-1.9M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$17.1M
-1.2% YoY+1.5% QoQ
|
$-8.6M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.2%
-82.5% YoY+9.0% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
5.2%
+0.7% YoY-0.2% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Top 9.8% in tier |
| Efficiency Ratio |
90.9%
+12.7% YoY+0.9% QoQ
|
+8.4% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.4%
-68.3% YoY-0.8% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
81.1%
+11.4% YoY+5.1% QoQ
|
+20.5% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$13,268
-1.1% YoY-0.7% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
19.7%
+75.3% YoY+11.7% QoQ
|
-4.7% | 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)