BlastPoint's Credit Union Scorecard
DAVIESS COUNTY TEACHERS
Charter #20684 · KY
DAVIESS COUNTY TEACHERS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.03% above tier average
- + Asset Growth Rate: Top 4.4% in tier
- + Deposit Growth Rate: Top 4.5% in tier
- + Total Loans: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,414
+2.2% YoY+0.2% QoQ
|
+2.8K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 11.6% in tier |
| Assets |
$72.3M
+13.6% YoY-1.9% QoQ
|
+$42.2M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Top 11.5% in tier |
| Loans |
$43.6M
-3.5% YoY-1.3% QoQ
|
+$27.8M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 8.2% in tier |
| Deposits |
$63.3M
+14.0% YoY-2.4% QoQ
|
+$37.6M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 10.4% in tier |
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| ROA |
1.3%
-4.0% YoY-9.5% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
4.0%
-4.9% YoY+1.1% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
63.4%
-6.2% YoY+3.7% QoQ
|
-19.2% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.6%
-12.9% YoY-57.4% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
68.8%
-15.4% YoY+1.2% QoQ
|
+8.2% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$19,743
+3.8% YoY-2.1% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
28.0%
+9.5% YoY+6.2% QoQ
|
+3.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
27.9%
-11.1% YoY-1.4% QoQ
|
+14.1% | 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)