BlastPoint's Credit Union Scorecard
LABOR MANAGEMENT
Charter #21853 · KY
LABOR MANAGEMENT has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.69% above tier average
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 3.5% in tier
- - Asset Growth Rate: Bottom 3.5% in tier
- - AMR Growth Rate: Bottom 4.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,803
-0.0% YoY-1.5% QoQ
|
+126 |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$28.3M
-11.4% YoY+1.8% QoQ
|
$-1.9M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$19.0M
-10.0% YoY-1.4% QoQ
|
+$3.7M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$24.1M
-14.0% YoY+1.8% QoQ
|
$-1.7M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
0.8%
-170.9% YoY+99.3% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
4.2%
+24.6% YoY+2.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
83.0%
-11.9% YoY-1.4% QoQ
|
-7.6% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
0.5%
-54.4% YoY-77.4% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
43% |
| Loan To Share |
78.8%
+4.7% YoY-3.1% QoQ
|
+20.3% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
80% |
| AMR |
$15,360
-12.2% YoY+1.9% QoQ
|
+$476 |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
17.7%
+216.6% YoY+49.5% QoQ
|
-6.6% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)