BlastPoint's Credit Union Scorecard

SIGNET

Charter #23949 · KY

1069 CUs in 100M-500M nationally 10 in KY

SIGNET has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 27.8% in tier
+ ROA 0.07% above tier average
+ Strong member growth: 13.5% YoY
+ Member Growth Rate: Top 2.6% in tier
+ Net Worth Ratio: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 16.9% in tier
- Credit Risk Growth: Bottom 32.8% in tier
- Credit Quality Pressure: Bottom 49.0% in tier
- Liquidity Overhang: Bottom 63.4% in tier
- Indirect Auto Dependency: Bottom 66.3% in tier
- Delinquency rate 0.09% above tier average
- AMR Growth Rate: Bottom 2.8% in tier
- Fee Income Per Member: Bottom 6.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	22,732 +13.5% YoY+0.6% QoQ	+7.3K	15,437 -2.9% YoY	18,352 +6.1% YoY	33,374 +5.7% YoY	83%
Assets	$374.8M +4.9% YoY+1.9% QoQ	+$142.9M	$231.9M +1.3% YoY	$297.6M +11.0% YoY	$561.6M +9.7% YoY	Top 14.7% in tier
Loans	$222.7M +8.4% YoY+1.6% QoQ	+$75.3M	$147.3M -0.1% YoY	$214.0M +12.0% YoY	$397.0M +8.8% YoY	81%
Deposits	$309.5M +4.7% YoY+2.4% QoQ	+$108.7M	$200.8M +0.8% YoY	$249.6M +10.9% YoY	$477.3M +9.7% YoY	83%

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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	0.8% -6.6% YoY+1.0% QoQ	+0.1%	0.8% +18.2% YoY	0.3% -193.7% YoY	0.7% +15.9% YoY	57%
NIM	2.8% +9.9% YoY-0.3% QoQ	-0.8%	3.6% +6.7% YoY	3.7% -0.4% YoY	3.8% +5.1% YoY	Bottom 10.9% in tier
Efficiency Ratio	69.9% +6.0% YoY-0.1% QoQ	-7.2%	77.0% -3.1% YoY	85.5% -17.8% YoY	79.7% -3.3% YoY	25%
Delinquency Rate	1.0% +27.4% YoY+12.6% QoQ	+0.1	0.9% +4.2% YoY	1.1% -5.8% YoY	1.3% -2.1% YoY	68%
Loan To Share	71.9% +3.5% YoY-0.8% QoQ	-0.3%	72.2% -1.1% YoY	65.9% -3.9% YoY	67.4% -1.7% YoY	46%
AMR	$23,409 -6.4% YoY+1.5% QoQ	$-1K	$24,676 +3.4% YoY	$17,204 +6.4% YoY	$19,687 +2.0% YoY	54%
CD Concentration	27.6% +1.1% YoY+5.5% QoQ	+3.2%	24.4%	22.4%	19.8%	50%
Indirect Auto %	31.5% -0.6% YoY-1.3% QoQ	+17.7%	13.8%	7.7%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#166 of 595 • Top 27.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 13.45%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.83%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 31.54%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#36 of 208 • Bottom 16.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.41%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Credit Risk Growth

risk

#150 of 456 • Bottom 32.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.37%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#346 of 705 • Bottom 49.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Liquidity Overhang

risk

#86 of 135 • Bottom 63.4% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.08%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 71.95%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#336 of 506 • Bottom 66.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.86%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 31.54%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 13.45%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 13.45%

Peer Median: -

#29 of 1069 Top 2.6% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.08%

Peer Median: -

#80 of 1069 Top 7.4% in 100M-500M tier

157

Total Assets

balance_sheet

Value: $374.81M

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

179

Total Members

engagement

Value: 22,732

Peer Median: -

#179 of 1069 Top 16.7% in 100M-500M tier

181

Total Deposits

balance_sheet

Value: $309.48M

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

204

Total Loans

balance_sheet

Value: $222.66M

Peer Median: -

#204 of 1069 Top 19.0% in 100M-500M tier

222

Members Per Employee (MPE)

engagement

Value: 391.931

Peer Median: -

#222 of 1069 Top 20.7% in 100M-500M tier

241

Loan Growth Rate

growth

Value: 8.37%

Peer Median: -

#241 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1040

AMR Growth Rate

growth

Value: -6.41%

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

998

Fee Income Per Member

profitability

Value: $79.43

Peer Median: -

#998 of 1069 Bottom 6.7% in 100M-500M tier

952

Net Interest Margin (NIM)

profitability

Value: 2.78%

Peer Median: -

#952 of 1069 Bottom 11.0% in 100M-500M tier

915

Indirect Auto Concentration (%)

balance_sheet

Value: 31.54%

Peer Median: -

#915 of 1069 Bottom 14.5% in 100M-500M tier