BlastPoint's Credit Union Scorecard

MAIN IMPACT

Charter #22978 · KY

<100M

2508 CUs in <100M nationally 35 in KY

MAIN IMPACT has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.50% above tier average
+ Total Delinquency Rate (60+ days): Top 0.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 7.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	2,002 0% YoY+0.0% QoQ	-674	2,676 +1.6% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	52%
Assets	$23.9M +4.0% YoY+3.5% QoQ	$-6.3M	$30.2M +1.3% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	53%
Loans	$14.2M +6.1% YoY-0.6% QoQ	$-1.0M	$15.3M -2.0% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	61%
Deposits	$21.2M +2.5% YoY+2.8% QoQ	$-4.6M	$25.8M +0.7% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	54%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +22.9% YoY-5.6% QoQ	+0.5%	0.1% -77.6% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	52%
NIM	3.9% +12.0% YoY+1.5% QoQ	-0.1%	4.0% +4.0% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	80.6% -5.8% YoY-1.7% QoQ	-10.0%	90.6% +6.5% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	0.0% -100.0% YoY	-1.5	1.5% +3.8% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	67.1% +3.5% YoY-3.3% QoQ	+8.6%	58.5% -3.0% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	63%
AMR	$17,711 +3.9% YoY+1.4% QoQ	+$3K	$14,884 -1.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	68%
CD Concentration	11.1% -10.7% YoY+0.7% QoQ	-13.2%	24.3%	22.8%	19.8%	50%
Indirect Auto %	13.1% -26.2% YoY-7.2% QoQ	-0.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

435

Loan Growth Rate

growth

Value: 6.07%

Peer Median: -2.36%

#435 of 2508 Top 17.3% in <100M tier

600

Loan-to-Member Ratio (LMR)

engagement

Value: $7,110

Peer Median: $4,923

#600 of 2508 Top 23.9% in <100M tier

Top Weaknesses (2 metrics)

2327

Indirect Auto Concentration (%)

balance_sheet

Value: 13.06%

Peer Median: 0.00%

#2327 of 2508 Bottom 7.3% in <100M tier

2056

Net Worth Ratio

risk

Value: 10.06%

Peer Median: 14.28%

#2056 of 2508 Bottom 18.1% in <100M tier