BlastPoint's Credit Union Scorecard
ADVANZ
Charter #19853 · KY
ADVANZ has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.18% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency ratio 0.23% above tier (higher cost structure)
- - Member decline: -2.9% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,375
-2.9% YoY-0.6% QoQ
|
-5.8K |
15,145
-2.5% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$158.9M
+2.6% YoY+3.2% QoQ
|
$-72.8M |
$231.7M
+0.8% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$69.6M
+3.1% YoY-1.6% QoQ
|
$-74.5M |
$144.1M
+0.2% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$132.9M
+1.8% YoY+3.4% QoQ
|
$-68.2M |
$201.1M
+0.4% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
0.9%
+19.1% YoY-31.5% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
3.5%
+4.0% YoY-2.5% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
78.3%
-1.8% YoY+15.6% QoQ
|
+0.2% |
78.0%
-1.7% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.3%
-4.8% YoY-26.6% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
52.4%
+1.3% YoY-4.8% QoQ
|
-18.0% |
70.4%
-0.4% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.3% in tier |
| AMR |
$21,603
+5.3% YoY+2.3% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
17.8%
+11.2% YoY+5.7% QoQ
|
-6.5% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
3.3%
-35.4% YoY-4.5% QoQ
|
-10.5% | 13.8% | 7.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)