BlastPoint's Credit Union Scorecard
ADVANZ
Charter #19853 · KY
ADVANZ has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 0.77% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kentucky.
- Shares and deposits +4.0% year over year ($135M in shares and deposits).
- Membership: 9,371 members, -1.9% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 0.78%.
- Efficiency ratio 77.50% vs a 76.73% peer average.
- Loan-to-share ratio 51.52% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,371
-1.9% YoY-0.0% QoQ
|
-5.8K |
15,168
-2.6% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$161.6M
+4.3% YoY+1.7% QoQ
|
$-70.4M |
$232.0M
+0.7% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$69.8M
+4.3% YoY+0.3% QoQ
|
$-76.5M |
$146.3M
+0.2% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$135.5M
+4.0% YoY+1.9% QoQ
|
$-65.2M |
$200.7M
+0.2% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
0.8%
-47.5% YoY-13.6% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
3.5%
+0.6% YoY-0.5% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
77.5%
+17.3% YoY-1.0% QoQ
|
+0.8% |
76.7%
-0.8% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
0.5%
-0.1% YoY+66.8% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
51.5%
+0.2% YoY-1.6% QoQ
|
-20.0% |
71.5%
-0.3% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.2% in tier |
| AMR |
$21,908
+6.1% YoY+1.4% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
19.3%
+28.2% YoY+8.6% QoQ
|
-5.2% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
3.2%
-28.0% YoY-2.2% QoQ
|
-10.4% | 13.6% | 7.6% | 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 (4)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)