BlastPoint's Credit Union Scorecard
DOE RUN
Charter #23376 · KY
DOE RUN has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Fee Income Per Member: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 14.79% above tier (higher cost structure)
- - Delinquency rate 2.25% above tier average
- - Member decline: -12.3% YoY
- - Member Growth Rate: Bottom 4.5% in tier
- - Total Delinquency Rate (60+ days): 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 |
1,523
-12.3% YoY+0.3% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$12.1M
-2.8% YoY+0.1% QoQ
|
$-18.1M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$5.6M
-16.1% YoY-2.6% QoQ
|
$-9.6M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$10.7M
-3.2% YoY+0.2% QoQ
|
$-15.1M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
-0.3%
+251.2% YoY-237.5% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
4.2%
+1.1% YoY+1.1% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
105.4%
-1.8% YoY+2.9% QoQ
|
+14.8% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
3.8%
+3844.6% YoY+204.3% QoQ
|
+2.2 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.5% in tier |
| Loan To Share |
52.9%
-13.3% YoY-2.8% QoQ
|
-5.6% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$10,715
+4.8% YoY-1.2% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
18.0%
-28.8% YoY-25.7% QoQ
|
-6.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.7% | 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)