BlastPoint's Credit Union Scorecard
MOREHEAD COMMUNITY
Charter #23070 · KY
MOREHEAD COMMUNITY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 5.2% in tier
- + Deposit Growth Rate: Top 6.8% in tier
- + Efficiency Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,399
+2.1% YoY+0.3% QoQ
|
+1.8K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$62.8M
+12.5% YoY+1.7% QoQ
|
+$32.7M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$28.2M
+4.6% YoY+0.5% QoQ
|
+$12.4M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$54.4M
+12.0% YoY+1.5% QoQ
|
+$28.7M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.7%
+17.9% YoY-0.1% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Top 12.0% in tier |
| NIM |
3.3%
+5.1% YoY-0.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
58.6%
-5.6% YoY-1.4% QoQ
|
-23.9% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate |
0.2%
-53.4% YoY-16.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
51.8%
-6.6% YoY-0.9% QoQ
|
-8.8% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$18,766
+7.1% YoY+0.9% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
38.0%
-2.5% YoY+0.9% QoQ
|
+13.5% | 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)