BlastPoint's Credit Union Scorecard
DOE RUN
Charter #23376 · KY
DOE RUN has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.13% below tier average
- - Efficiency ratio 21.88% above tier (higher cost structure)
- - Member decline: -13.1% YoY
- - Member Growth Rate: Bottom 3.8% in tier
- - Loan Growth Rate: Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,524
-13.1% YoY-12.3% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$12.9M
+3.6% YoY+2.0% QoQ
|
$-17.0M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$6.1M
-20.4% YoY-6.7% QoQ
|
$-9.7M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$11.4M
+4.2% YoY+2.1% QoQ
|
$-14.0M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
-0.4%
-278.4% YoY-295.7% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.4% in tier |
| NIM |
4.0%
-4.2% YoY-2.4% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
103.3%
+6.9% YoY+1.8% QoQ
|
+21.9% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
Top 9.4% in tier |
| Delinquency Rate |
1.0%
+187.4% YoY-19.5% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
53.0%
-23.6% YoY-8.7% QoQ
|
-8.2% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$11,476
+8.3% YoY+12.7% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
23.8%
-8.2% YoY-9.1% QoQ
|
-0.6% |
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)