BlastPoint's Credit Union Scorecard

KRAFTCOR

Charter #20891 · KY

<100M

2508 CUs in <100M nationally 35 in KY

KRAFTCOR faces 7 concerns requiring attention

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 1.57% below tier average
- Efficiency ratio 46.31% above tier (higher cost structure)
- Delinquency rate 0.82% above tier average
- Member decline: -12.8% YoY
- Net Worth Ratio: Bottom 3.6% in tier
- Member Growth Rate: Bottom 4.0% in tier
- Asset Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	1,157 -12.8% YoY-2.3% QoQ	-1.5K	2,676 +1.6% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	32%
Assets	$12.5M -6.7% YoY+1.5% QoQ	$-17.7M	$30.2M +1.3% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	37%
Loans	$6.1M -12.5% YoY-1.3% QoQ	$-9.2M	$15.3M -2.0% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	39%
Deposits	$11.5M -6.8% YoY+1.6% QoQ	$-14.3M	$25.8M +0.7% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	39%

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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	-1.4% -1.7% YoY+150.9% QoQ	-1.6%	0.1% -77.6% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	Bottom 6.5% in tier
NIM	3.0% -23.4% YoY-31.4% QoQ	-1.1%	4.0% +4.0% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	136.9% +27.4% YoY+33.0% QoQ	+46.3%	90.6% +6.5% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	Bottom 3.9% in tier
Delinquency Rate	2.3% +62.9% YoY+517.1% QoQ	+0.8	1.5% +3.8% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	84%
Loan To Share	53.2% -6.1% YoY-2.8% QoQ	-5.3%	58.5% -3.0% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	42%
AMR	$15,178 +4.5% YoY+3.0% QoQ	+$294	$14,884 -1.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	57%
CD Concentration	3.7% -20.2% YoY-41.7% QoQ	-20.6%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Top Weaknesses (10 metrics)

2419

Net Worth Ratio

risk

Value: 7.55%

Peer Median: 14.28%

#2419 of 2508 Bottom 3.6% in <100M tier

2411

Efficiency Ratio

profitability

Value: 136.94%

Peer Median: 81.45%

#2411 of 2508 Bottom 3.9% in <100M tier

2408

Member Growth Rate

growth

Value: -12.81%

Peer Median: -1.37%

#2408 of 2508 Bottom 4.0% in <100M tier

2345

Return on Assets (ROA)

profitability

Value: -1.43%

Peer Median: 0.61%

#2345 of 2508 Bottom 6.5% in <100M tier

2271

Asset Growth Rate

growth

Value: -6.73%

Peer Median: 1.30%

#2271 of 2508 Bottom 9.5% in <100M tier

2195

Deposit Growth Rate

growth

Value: -6.80%

Peer Median: 0.66%

#2195 of 2508 Bottom 12.5% in <100M tier

2146

Members Per Employee (MPE)

engagement

Value: 192.833

Peer Median: 333.750

#2146 of 2508 Bottom 14.5% in <100M tier

2110

Total Delinquency Rate (60+ days)

risk

Value: 2.33%

Peer Median: 0.65%

#2110 of 2508 Bottom 15.9% in <100M tier

2100

Loan Growth Rate

growth

Value: -12.53%

Peer Median: -2.36%

#2100 of 2508 Bottom 16.3% in <100M tier

2073

Net Interest Margin (NIM)

profitability

Value: 2.95%

Peer Median: 3.83%

#2073 of 2508 Bottom 17.4% in <100M tier