BlastPoint's Credit Union Scorecard
SIGNET
Charter #23949 · KY
SIGNET has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.3% in tier
- + ROA 0.04% above tier average
- + Strong member growth: 13.5% YoY
- + Member Growth Rate: Top 2.8% in tier
- + Net Worth Ratio: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 3.5% in tier
- - Credit Risk Growth: Bottom 12.4% in tier
- - Credit Quality Pressure: Bottom 14.4% in tier
- - Indirect Auto Dependency: Bottom 21.7% in tier
- - Margin Compression: Bottom 30.5% in tier
- - Liquidity Overhang: Bottom 61.6% in tier
- - Delinquency rate 0.02% above tier average
- - AMR Growth Rate: Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,601
+13.5% YoY+10.5% QoQ
|
+7.0K |
15,628
-3.4% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$367.8M
+3.7% YoY-1.9% QoQ
|
+$136.5M |
$231.3M
-0.0% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
Top 15.0% in tier |
| Loans |
$219.1M
+6.8% YoY+1.9% QoQ
|
+$71.3M |
$147.8M
-1.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$302.2M
+3.2% YoY-2.4% QoQ
|
+$101.9M |
$200.3M
-0.0% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
0.8%
-11.1% YoY-7.0% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
2.8%
+9.5% YoY-2.5% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
69.9%
+7.0% YoY+0.8% QoQ
|
-7.4% |
77.3%
-3.0% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.9%
+29.4% YoY-12.4% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
72.5%
+3.4% YoY+4.4% QoQ
|
-0.2% |
72.7%
-1.5% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$23,064
-7.7% YoY-10.1% QoQ
|
$-1K |
$24,363
+2.9% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
26.1%
+0.4% YoY-2.8% QoQ
|
+1.7% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
31.9%
+1.3% YoY-1.6% QoQ
|
+18.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)