BlastPoint's Credit Union Scorecard
ADVANZ
Charter #19853 · KY
ADVANZ has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 45.0% in tier
- - Stagnation Risk: Bottom 65.6% in tier
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,433
-3.1% YoY-0.3% QoQ
|
-6.0K |
15,437
-2.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$154.0M
+0.8% YoY-0.0% QoQ
|
$-77.8M |
$231.9M
+1.3% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$70.7M
+2.1% YoY+1.4% QoQ
|
$-76.6M |
$147.3M
-0.1% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$128.6M
-0.1% YoY-0.4% QoQ
|
$-72.3M |
$200.8M
+0.8% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
1.3%
+30.1% YoY+4.3% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
3.6%
+14.0% YoY+1.6% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
67.7%
-7.0% YoY-2.0% QoQ
|
-9.3% |
77.0%
-3.1% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.4%
-34.0% YoY-21.2% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
55.0%
+2.3% YoY+1.8% QoQ
|
-17.2% |
72.2%
-1.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$21,125
+3.9% YoY+0.6% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
16.9%
-7.8% YoY+9.9% QoQ
|
-7.6% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
3.4%
-37.8% YoY-10.1% QoQ
|
-10.4% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)