BlastPoint's Credit Union Scorecard

KUE

Charter #22478 · KY

<100M
2508 CUs in <100M nationally 35 in KY

KUE has 4 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.80% above tier average
  • + Loan Growth Rate: Top 5.7% in tier
  • + Average Member Relationship (AMR): Top 8.0% in tier
  • + AMR Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -4.5% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 2,760
-4.5% YoY-2.0% QoQ
+83 2,676
+1.6% YoY
19,049
+8.0% YoY
33,913
+5.7% YoY
64%
Assets $55.6M
+1.7% YoY+3.1% QoQ
+$25.4M $30.2M
+1.3% YoY
$318.2M
+13.2% YoY
$578.3M
+9.0% YoY
80%
Loans $22.2M
+15.0% YoY-3.8% QoQ
+$7.0M $15.3M
-2.0% YoY
$224.2M
+14.2% YoY
$402.4M
+8.7% YoY
74%
Deposits $47.8M
+1.3% YoY+4.8% QoQ
+$22.0M $25.8M
+0.7% YoY
$268.6M
+13.0% YoY
$494.3M
+9.1% YoY
80%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.9%
+44.3% YoY+46.4% QoQ
+0.8% 0.1%
-77.6% YoY
-0.2%
-46.7% YoY
0.4%
-39.2% YoY
67%
NIM 2.9%
+7.3% YoY+2.8% QoQ
-1.1% 4.0%
+4.0% YoY
3.3%
-7.9% YoY
3.8%
+4.1% YoY
16%
Efficiency Ratio 74.8%
+0.4% YoY-0.4% QoQ
-15.9% 90.6%
+6.5% YoY
83.1%
-14.8% YoY
84.6%
+2.8% YoY
34%
Delinquency Rate 1.4%
-13.6% YoY+15.3% QoQ
-0.1 1.5%
+3.8% YoY
0.9%
-11.3% YoY
1.2%
+3.4% YoY
73%
Loan To Share 46.6%
+13.6% YoY-8.3% QoQ
-11.9% 58.5%
-3.0% YoY
64.5%
+0.1% YoY
65.6%
-1.4% YoY
31%
AMR $25,359
+10.3% YoY+3.9% QoQ
+$10K $14,884
-1.7% YoY
$17,696
+5.9% YoY
$19,920
+1.6% YoY
Top 8.0% in tier
CD Concentration 18.8%
+10.8% YoY+2.3% QoQ
-5.5% 24.3% 22.8% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.7% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
145
Loan Growth Rate
growth
Value: 15.03%
Peer Median: -2.36%
#145 of 2508 Top 5.7% in <100M tier
201
Average Member Relationship (AMR)
engagement
Value: $25,359
Peer Median: $13,926
#201 of 2508 Top 8.0% in <100M tier
230
AMR Growth Rate
growth
Value: 10.26%
Peer Median: 1.27%
#230 of 2508 Top 9.1% in <100M tier
254
Members Per Employee (MPE)
engagement
Value: 552.000
Peer Median: 333.750
#254 of 2508 Top 10.1% in <100M tier
442
Loan-to-Member Ratio (LMR)
engagement
Value: $8,057
Peer Median: $4,923
#442 of 2508 Top 17.6% in <100M tier
489
Total Deposits
balance_sheet
Value: $47.75M
Peer Median: $18.77M
#489 of 2508 Top 19.5% in <100M tier
495
Total Assets
balance_sheet
Value: $55.59M
Peer Median: $21.86M
#495 of 2508 Top 19.7% in <100M tier

Top Weaknesses (3 metrics)

2152
First Mortgage Concentration (%)
balance_sheet
Value: 38.74%
Peer Median: 3.66%
#2152 of 2508 Bottom 14.2% in <100M tier
2102
Net Interest Margin (NIM)
profitability
Value: 2.92%
Peer Median: 3.83%
#2102 of 2508 Bottom 16.2% in <100M tier
2014
Member Growth Rate
growth
Value: -4.50%
Peer Median: -1.37%
#2014 of 2508 Bottom 19.7% in <100M tier
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