BlastPoint's Credit Union Scorecard

ADVANZ

Charter #19853 · KY

1077 CUs in 100M-500M nationally 10 in KY

ADVANZ has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 72.3% in tier
+ ROA 0.48% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 3.3% in tier
- Membership Headwinds: Bottom 11.2% in tier
- Credit Quality Pressure: Bottom 15.7% in tier
- Member decline: -3.7% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	9,465 -3.7% YoY-0.9% QoQ	-6.2K	15,628 -3.4% YoY	18,350 +6.5% YoY	33,089 +6.1% YoY	26%
Assets	$154.1M -0.3% YoY-0.6% QoQ	$-77.2M	$231.3M -0.0% YoY	$291.9M +10.4% YoY	$547.7M +7.8% YoY	32%
Loans	$69.8M -0.4% YoY+4.2% QoQ	$-78.0M	$147.8M -1.4% YoY	$208.5M +10.3% YoY	$388.7M +8.6% YoY	15%
Deposits	$129.1M -1.4% YoY-0.9% QoQ	$-71.2M	$200.3M -0.0% YoY	$245.3M +10.3% YoY	$464.6M +9.3% YoY	30%

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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	1.3% +16.5% YoY-14.9% QoQ	+0.5%	0.8% +15.5% YoY	0.2% -216.5% YoY	0.7% +273.4% YoY	81%
NIM	3.5% +14.0% YoY+2.0% QoQ	-0.0%	3.6% +6.9% YoY	3.6% +4.6% YoY	3.7% +5.0% YoY	47%
Efficiency Ratio	69.1% -3.7% YoY+4.6% QoQ	-8.2%	77.3% -3.0% YoY	85.0% -21.4% YoY	79.1% -3.3% YoY	24%
Delinquency Rate	0.6% +46.3% YoY+3.5% QoQ	-0.3	0.9% +7.6% YoY	0.8% -26.3% YoY	1.2% -0.9% YoY	42%
Loan To Share	54.0% +1.0% YoY+5.2% QoQ	-18.7%	72.7% -1.5% YoY	65.5% -4.4% YoY	68.0% -1.7% YoY	Bottom 13.6% in tier
AMR	$21,005 +2.8% YoY+1.7% QoQ	$-3K	$24,363 +2.9% YoY	$16,917 +3.2% YoY	$19,418 +1.3% YoY	42%
CD Concentration	15.3% -18.4% YoY+1.7% QoQ	-9.1%	24.4% +4.2% YoY	22.1% -0.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	3.8% -34.3% YoY-14.2% QoQ	-10.2%	14.0% -5.7% YoY	7.8% -3.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#246 of 340 • Top 72.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.27%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (3)

Stagnation Risk

risk

#55 of 550 • Bottom 3.3% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.38%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.56%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#185 of 550 • Bottom 11.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#389 of 736 • Bottom 15.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (4 metrics)

138

Net Worth Ratio

risk

Value: 15.61%

Peer Avg: -

#138 of 1077 Top 12.7% in 100M-500M tier

206

Return on Assets (ROA)

profitability

Value: 1.27%

Peer Avg: -

#206 of 1077 Top 19.0% in 100M-500M tier

251

Share Certificate Concentration (%)

balance_sheet

Value: 15.34%

Peer Avg: -

#251 of 1077 Top 23.2% in 100M-500M tier

257

Efficiency Ratio

profitability

Value: 69.07%

Peer Avg: -

#257 of 1077 Top 23.8% in 100M-500M tier

Top Weaknesses (6 metrics)

955

Deposit Growth Rate

growth

Value: -1.35%

Peer Avg: -

#955 of 1077 Bottom 11.4% in 100M-500M tier

930

Loan-to-Share Ratio

balance_sheet

Value: 54.05%

Peer Avg: -

#930 of 1077 Bottom 13.7% in 100M-500M tier

918

Member Growth Rate

growth

Value: -3.74%

Peer Avg: -

#918 of 1077 Bottom 14.9% in 100M-500M tier

912

Members Per Employee (MPE)

engagement

Value: 242.692

Peer Avg: -

#912 of 1077 Bottom 15.4% in 100M-500M tier

912

Total Loans

balance_sheet

Value: $69.75M

Peer Avg: -

#912 of 1077 Bottom 15.4% in 100M-500M tier

892

Asset Growth Rate

growth

Value: -0.31%

Peer Avg: -

#892 of 1077 Bottom 17.3% in 100M-500M tier