BlastPoint's Credit Union Scorecard

MOREHEAD COMMUNITY

Charter #23070 · KY

<100M

2508 CUs in <100M nationally 35 in KY

MOREHEAD COMMUNITY 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 1.51% above tier average
+ Asset Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	4,442 +2.7% YoY+1.0% QoQ	+1.8K	2,676 +1.6% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	83%
Assets	$64.0M +9.3% YoY+1.9% QoQ	+$33.8M	$30.2M +1.3% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	85%
Loans	$28.0M +2.1% YoY-0.5% QoQ	+$12.7M	$15.3M -2.0% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	81%
Deposits	$55.3M +8.4% YoY+1.7% QoQ	+$29.5M	$25.8M +0.7% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	85%

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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	1.7% -0.1% YoY-0.6% QoQ	+1.5%	0.1% -77.6% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	Top 11.9% in tier
NIM	3.2% -1.0% YoY-1.2% QoQ	-0.8%	4.0% +4.0% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	60.0% -4.1% YoY+2.4% QoQ	-30.6%	90.6% +6.5% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	Top 12.2% in tier
Delinquency Rate	0.3% -18.1% YoY+103.4% QoQ	-1.2	1.5% +3.8% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	36%
Loan To Share	50.7% -5.8% YoY-2.1% QoQ	-7.8%	58.5% -3.0% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	37%
AMR	$18,762 +3.4% YoY-0.0% QoQ	+$4K	$14,884 -1.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	73%
CD Concentration	38.8% +1.2% YoY+2.3% QoQ	+14.6%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

206

Asset Growth Rate

growth

Value: 9.32%

Peer Median: 1.30%

#206 of 2508 Top 8.2% in <100M tier

286

Deposit Growth Rate

growth

Value: 8.44%

Peer Median: 0.66%

#286 of 2508 Top 11.4% in <100M tier

299

Return on Assets (ROA)

profitability

Value: 1.66%

Peer Median: 0.61%

#299 of 2508 Top 11.9% in <100M tier

306

Efficiency Ratio

profitability

Value: 60.03%

Peer Median: 81.45%

#306 of 2508 Top 12.2% in <100M tier

331

Member Growth Rate

growth

Value: 2.68%

Peer Median: -1.37%

#331 of 2508 Top 13.2% in <100M tier

335

Fee Income Per Member

profitability

Value: $142.81

Peer Median: $60.42

#335 of 2508 Top 13.3% in <100M tier

380

Total Assets

balance_sheet

Value: $64.02M

Peer Median: $21.86M

#380 of 2508 Top 15.1% in <100M tier

381

Total Deposits

balance_sheet

Value: $55.31M

Peer Median: $18.77M

#381 of 2508 Top 15.2% in <100M tier

434

Total Members

engagement

Value: 4,442

Peer Median: 1,918

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

Top Weaknesses (1 metrics)

2297

Share Certificate Concentration (%)

balance_sheet

Value: 38.83%

Peer Median: 12.45%

#2297 of 2508 Bottom 8.5% in <100M tier