BlastPoint's Credit Union Scorecard
NORTHERN KENTUCKY
Charter #21339 · KY
NORTHERN KENTUCKY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.39% above tier average
- + Total Members: Top 5.8% in tier
- + Loan Growth Rate: Top 8.7% in tier
- + Members Per Employee (MPE): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -0.3% year over year ($36.3M in shares and deposits).
- Membership: 6,766 members, -3.5% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 1.60%.
- Efficiency ratio 68.53% vs a 88.77% peer average.
- Loan-to-share ratio 51.43% vs a 58.89% 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 |
6,766
-3.5% YoY-0.4% QoQ
|
+4.2K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Top 5.8% in tier |
| Assets |
$43.1M
+1.6% YoY-1.5% QoQ
|
+$12.8M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$18.7M
+11.2% YoY+1.3% QoQ
|
+$3.2M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$36.3M
-0.3% YoY-2.8% QoQ
|
+$10.5M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
71% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
-4.2% YoY-7.1% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
4.3%
-1.2% YoY+1.8% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
68.5%
-0.4% YoY+4.9% QoQ
|
-20.2% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
0.3%
-53.6% YoY-8.6% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
51.4%
+11.6% YoY+4.2% QoQ
|
-7.5% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$8,130
+7.0% YoY-1.1% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration |
3.1%
-15.2% YoY-0.2% QoQ
|
-21.4% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
2.3%
-30.0% YoY-10.4% QoQ
|
-11.3% | 13.6% | 7.6% | 7.7% | 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)