BlastPoint's Credit Union Scorecard
KUE
Charter #22478 · KY
KUE has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.9% in tier
- + Average Member Relationship (AMR): Top 9.2% in tier
- + Members Per Employee (MPE): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,815
-2.4% YoY-1.3% QoQ
|
+199 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$53.9M
+1.7% YoY-1.6% QoQ
|
+$23.7M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$23.1M
+22.2% YoY+8.6% QoQ
|
+$7.4M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$45.5M
+1.2% YoY-3.2% QoQ
|
+$19.9M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.6%
+2.2% YoY-8.4% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
2.8%
+9.6% YoY+0.5% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio |
75.1%
-3.5% YoY-0.4% QoQ
|
-7.5% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.2%
-34.4% YoY+22.3% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
50.8%
+20.8% YoY+12.2% QoQ
|
-9.8% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$24,397
+10.0% YoY+1.8% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Top 9.3% in tier |
| CD Concentration |
18.3%
+1.2% YoY-3.3% QoQ
|
-6.1% | 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)