BlastPoint's Credit Union Scorecard

SIGNET

Charter #23949 · KY

100M-500M
1070 CUs in 100M-500M nationally 10 in KY

SIGNET has 2 strengths but faces 5 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

  • + ROA 0.44% above tier average
  • + Net Worth Ratio: Top 7.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Delinquency rate 0.29% above tier average

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 20,688
+2.3% YoY-9.0% QoQ
 +5.5K 15,145
-2.5% YoY
 19,049
+8.0% YoY
 33,913
+5.7% YoY
 79%
Assets $389.6M
+5.3% YoY+3.9% QoQ
 +$157.9M $231.7M
+0.8% YoY
 $318.2M
+13.2% YoY
 $578.3M
+9.0% YoY
 Top 12.6% in tier
Loans $224.1M
+7.3% YoY+0.6% QoQ
 +$79.9M $144.1M
+0.2% YoY
 $224.2M
+14.2% YoY
 $402.4M
+8.7% YoY
 82%
Deposits $323.3M
+5.8% YoY+4.5% QoQ
 +$122.2M $201.1M
+0.4% YoY
 $268.6M
+13.0% YoY
 $494.3M
+9.1% YoY
 Top 14.7% in tier

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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 1.2%
+22.6% YoY+40.8% QoQ
 +0.4% 0.7%
+5.1% YoY
 -0.2%
-46.7% YoY
 0.4%
-39.2% YoY
 78%
NIM 3.1%
-0.6% YoY+12.3% QoQ
 -0.5% 3.6%
+4.6% YoY
 3.3%
-7.9% YoY
 3.8%
+4.1% YoY
 21%
Efficiency Ratio 64.0%
-5.9% YoY-8.4% QoQ
 -14.0% 78.0%
-1.7% YoY
 83.1%
-14.8% YoY
 84.6%
+2.8% YoY
 Top 13.3% in tier
Delinquency Rate 1.1%
+34.1% YoY+8.1% QoQ
 +0.3 0.8%
+7.1% YoY
 0.9%
-11.3% YoY
 1.2%
+3.4% YoY
 78%
Loan To Share 69.3%
+1.5% YoY-3.7% QoQ
 -1.1% 70.4%
-0.4% YoY
 64.5%
+0.1% YoY
 65.6%
-1.4% YoY
 45%
AMR $26,457
+4.0% YoY+13.0% QoQ
 +$2K $24,918
+2.7% YoY
 $17,696
+5.9% YoY
 $19,920
+1.6% YoY
 69%
CD Concentration 28.8%
+6.5% YoY+4.5% QoQ
 +4.5% 24.3% 22.8% 19.8% 50%
Indirect Auto % 31.7%
-3.1% YoY+0.4% QoQ
 +17.9% 13.8% 7.7% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Risk Growth

risk
#137 of 476 • Bottom 50.0% in tier

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

Why This Signature
Loan Growth (YoY): 7.33%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.27% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally
→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk
#256 of 727 • Bottom 50.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.27% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#221 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 5.33%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 31.67%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.34%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Overhang

risk
#88 of 126 • Bottom 50.0% in tier

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

Why This Signature
Net Worth Ratio: 16.72%
(Tier: 11.91%, National: 14.35%)
but better than tier avg
Loan-to-Share Ratio: 69.31%
(Tier: 72.31%, National: 65.58%)
worse than tier avg
126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally
↑ Growing +19 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)

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

84
Net Worth Ratio
risk
Value: 16.72%
Peer Median: 11.45%
#84 of 1070 Top 7.8% in 100M-500M tier
135
Total Assets
balance_sheet
Value: $389.61M
Peer Median: $196.57M
#135 of 1070 Top 12.5% in 100M-500M tier
143
Efficiency Ratio
profitability
Value: 63.99%
Peer Median: 78.68%
#143 of 1070 Top 13.3% in 100M-500M tier
157
Total Deposits
balance_sheet
Value: $323.29M
Peer Median: $171.29M
#157 of 1070 Top 14.6% in 100M-500M tier
187
Total Loans
balance_sheet
Value: $224.06M
Peer Median: $121.41M
#187 of 1070 Top 17.4% in 100M-500M tier
228
Total Members
engagement
Value: 20,688
Peer Median: 13,200
#228 of 1070 Top 21.2% in 100M-500M tier
233
Return on Assets (ROA)
profitability
Value: 1.17%
Peer Median: 0.69%
#233 of 1070 Top 21.7% in 100M-500M tier
260
Member Growth Rate
growth
Value: 2.34%
Peer Median: -0.06%
#260 of 1070 Top 24.2% in 100M-500M tier

Top Weaknesses (4 metrics)

916
Indirect Auto Concentration (%)
balance_sheet
Value: 31.67%
Peer Median: 6.61%
#916 of 1070 Bottom 14.5% in 100M-500M tier
843
Net Interest Margin (NIM)
profitability
Value: 3.13%
Peer Median: 3.62%
#843 of 1070 Bottom 21.3% in 100M-500M tier
840
Total Delinquency Rate (60+ days)
risk
Value: 1.07%
Peer Median: 0.61%
#840 of 1070 Bottom 21.6% in 100M-500M tier
833
Fee Income Per Member
profitability
Value: $104.90
Peer Median: $154.95
#833 of 1070 Bottom 22.2% in 100M-500M tier
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