BlastPoint's Credit Union Scorecard
MOREHEAD COMMUNITY
Charter #23070 · KY
MOREHEAD COMMUNITY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.99% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 5.2% in tier
- + Deposit Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,388
+2.0% YoY+0.7% QoQ
|
+1.8K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$61.8M
+12.1% YoY+2.3% QoQ
|
+$31.9M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$28.0M
+6.8% YoY+0.3% QoQ
|
+$12.2M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$53.6M
+11.7% YoY+2.1% QoQ
|
+$28.1M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
1.7%
+22.5% YoY-3.9% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
3.3%
+7.1% YoY-0.7% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
59.4%
-5.1% YoY-1.1% QoQ
|
-22.0% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate |
0.2%
+19.1% YoY-27.8% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
52.3%
-4.4% YoY-1.8% QoQ
|
-9.0% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$18,596
+7.8% YoY+0.7% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
37.7%
-3.8% YoY-1.1% QoQ
|
+13.2% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)