BlastPoint's Credit Union Scorecard
LABOR MANAGEMENT
Charter #21853 · KY
LABOR MANAGEMENT has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Delinquency rate 0.33% above tier average
- - Member decline: -3.3% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -3.4% year over year ($24.2M in shares and deposits).
- Membership: 2,717 members, -3.3% vs a year ago.
- Delinquency rate 1.88%.
- Return on assets 0.71%.
- Efficiency ratio 84.41% vs a 88.77% peer average.
- Loan-to-share ratio 74.34% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,717
-3.3% YoY-3.1% QoQ
|
+131 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$28.4M
-2.0% YoY+0.5% QoQ
|
$-1.9M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$18.0M
-11.5% YoY-5.3% QoQ
|
+$2.5M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$24.2M
-3.4% YoY+0.4% QoQ
|
$-1.6M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
0.7%
-412.5% YoY-15.1% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
4.1%
+18.2% YoY-1.2% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
84.4%
-5.5% YoY+1.7% QoQ
|
-4.4% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
1.9%
+30.1% YoY+282.3% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
74.3%
-8.4% YoY-5.7% QoQ
|
+15.4% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$15,517
-3.8% YoY+1.0% QoQ
|
+$554 |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
18.2%
+469.9% YoY+3.2% QoQ
|
-6.3% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 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)