BlastPoint's Credit Union Scorecard
LABOR MANAGEMENT
Charter #21853 · KY
LABOR MANAGEMENT has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 1.65% above tier (higher cost structure)
- - Delinquency rate 0.62% above tier average
- - AMR Growth Rate: Bottom 4.0% in tier
- - Asset Growth Rate: Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,847
+1.2% YoY+0.5% QoQ
|
+231 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$27.8M
-10.1% YoY-0.9% QoQ
|
$-2.4M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$19.2M
-11.7% YoY-3.0% QoQ
|
+$3.5M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$23.7M
-12.1% YoY-1.4% QoQ
|
$-2.0M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.4%
+13142.7% YoY+104.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
4.1%
+36.4% YoY+4.2% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
84.2%
-9.9% YoY-1.6% QoQ
|
+1.7% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
2.2%
+380.3% YoY+89.5% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
81.3%
+0.4% YoY-1.6% QoQ
|
+20.7% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$15,069
-13.0% YoY-2.6% QoQ
|
+$286 |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
11.8%
+81.2% YoY+59.0% QoQ
|
-12.6% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)