BlastPoint's Credit Union Scorecard
NORTHERN KENTUCKY
Charter #21339 · KY
NORTHERN KENTUCKY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.03% above tier average
- + Net Interest Margin 0.52% above tier average
- + AMR Growth Rate: Top 2.7% in tier
- + Total Members: Top 5.5% in tier
- + Members Per Employee (MPE): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -14.1% YoY
- - Member Growth Rate: Bottom 2.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,028
-14.1% YoY+0.1% QoQ
|
+4.4K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 5.5% in tier |
| Assets |
$41.2M
+1.3% YoY-2.6% QoQ
|
+$11.1M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$18.2M
+7.2% YoY+1.9% QoQ
|
+$2.4M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$35.0M
+0.2% YoY-1.8% QoQ
|
+$9.3M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
1.7%
+6.0% YoY+0.3% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Top 12.4% in tier |
| NIM |
4.5%
+8.8% YoY+1.9% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
69.5%
+0.6% YoY+0.7% QoQ
|
-13.1% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.5%
-2.9% YoY-21.0% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
51.9%
+7.0% YoY+3.8% QoQ
|
-8.7% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$7,559
+19.3% YoY-0.6% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
3.5%
+18.4% YoY-1.1% QoQ
|
-20.9% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
2.9%
-20.9% YoY-13.8% QoQ
|
-10.9% | 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)