BlastPoint's Credit Union Scorecard

NORTHERN KENTUCKY

Charter #21339 · KY

<100M

2508 CUs in <100M nationally 35 in KY

NORTHERN KENTUCKY has 6 strengths but faces 1 concern

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.57% above tier average
+ Net Interest Margin 0.21% above tier average
+ Total Members: Top 5.8% in tier
+ AMR Growth Rate: Top 8.1% in tier
+ Members Per Employee (MPE): Top 9.3% in tier
+ Loan Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Member decline: -4.8% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	6,790 -4.8% YoY-3.4% QoQ	+4.1K	2,676 +1.6% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	Top 5.8% in tier
Assets	$43.7M +4.5% YoY+6.1% QoQ	+$13.5M	$30.2M +1.3% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	72%
Loans	$18.4M +10.5% YoY+1.6% QoQ	+$3.2M	$15.3M -2.0% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	68%
Deposits	$37.4M +3.4% YoY+6.9% QoQ	+$11.6M	$25.8M +0.7% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	72%

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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	1.7% -2.5% YoY+4.0% QoQ	+1.6%	0.1% -77.6% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	Top 10.6% in tier
NIM	4.2% -3.0% YoY-5.8% QoQ	+0.2%	4.0% +4.0% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	65.3% -3.5% YoY-6.0% QoQ	-25.3%	90.6% +6.5% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	0.3% -4.5% YoY-39.3% QoQ	-1.2	1.5% +3.8% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	35%
Loan To Share	49.4% +6.9% YoY-4.9% QoQ	-9.1%	58.5% -3.0% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	35%
AMR	$8,221 +10.9% YoY+8.8% QoQ	$-7K	$14,884 -1.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	20%
CD Concentration	3.1% -12.0% YoY-11.0% QoQ	-21.1%	24.3%	22.8%	19.8%	50%
Indirect Auto %	2.6% -28.0% YoY-11.5% QoQ	-11.2%	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 (6 metrics)

146

Total Members

engagement

Value: 6,790

Peer Median: 1,918

#146 of 2508 Top 5.8% in <100M tier

204

AMR Growth Rate

growth

Value: 10.93%

Peer Median: 1.27%

#204 of 2508 Top 8.1% in <100M tier

233

Members Per Employee (MPE)

engagement

Value: 565.833

Peer Median: 333.750

#233 of 2508 Top 9.3% in <100M tier

237

Loan Growth Rate

growth

Value: 10.51%

Peer Median: -2.36%

#237 of 2508 Top 9.4% in <100M tier

267

Return on Assets (ROA)

profitability

Value: 1.72%

Peer Median: 0.61%

#267 of 2508 Top 10.6% in <100M tier

461

Efficiency Ratio

profitability

Value: 65.35%

Peer Median: 81.45%

#461 of 2508 Top 18.3% in <100M tier

Top Weaknesses (4 metrics)

2201

Indirect Auto Concentration (%)

balance_sheet

Value: 2.59%

Peer Median: 0.00%

#2201 of 2508 Bottom 12.3% in <100M tier

2063

Member Growth Rate

growth

Value: -4.78%

Peer Median: -1.37%

#2063 of 2508 Bottom 17.8% in <100M tier

2009

Average Member Relationship (AMR)

engagement

Value: $8,221

Peer Median: $13,926

#2009 of 2508 Bottom 19.9% in <100M tier

1971

Loan-to-Member Ratio (LMR)

engagement

Value: $2,717

Peer Median: $4,923

#1971 of 2508 Bottom 21.5% in <100M tier