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 0.96% above tier average
- + Net Interest Margin 0.46% above tier average
- + AMR Growth Rate: Top 2.5% in tier
- + Total Members: Top 5.8% in tier
- + Members Per Employee (MPE): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -14.0% YoY
- - Member Growth Rate: Bottom 3.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,021
-14.0% YoY+0.2% QoQ
|
+4.4K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
Top 5.9% in tier |
| Assets |
$42.3M
+2.8% YoY-0.2% QoQ
|
+$12.5M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$17.8M
+9.2% YoY+6.1% QoQ
|
+$2.0M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$35.6M
+0.0% YoY-2.3% QoQ
|
+$10.1M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
1.6%
+3.7% YoY-1.2% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
4.4%
+9.3% YoY+1.0% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
69.0%
+1.4% YoY+0.3% QoQ
|
-12.4% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.7%
+44.1% YoY+5.8% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
50.1%
+9.2% YoY+8.6% QoQ
|
-11.2% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$7,606
+19.7% YoY+0.1% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
3.6%
+22.0% YoY-3.5% QoQ
|
-20.8% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.4%
-14.3% YoY+2.5% QoQ
|
-10.6% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)