BlastPoint's Credit Union Scorecard
SIGNET
Charter #23949 · KY
SIGNET has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 0.18% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kentucky.
- Shares and deposits +7.2% year over year ($332M in shares and deposits).
- Membership: 20,863 members, +2.0% vs a year ago.
- Delinquency rate 1.07%.
- Return on assets 1.14%.
- Efficiency ratio 63.73% vs a 76.73% peer average.
- Loan-to-share ratio 68.19% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,863
+2.0% YoY+0.8% QoQ
|
+5.7K |
15,168
-2.6% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$398.2M
+6.2% YoY+2.2% QoQ
|
+$166.2M |
$232.0M
+0.7% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Top 11.5% in tier |
| Loans |
$226.4M
+5.3% YoY+1.1% QoQ
|
+$80.2M |
$146.3M
+0.2% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$332.1M
+7.2% YoY+2.7% QoQ
|
+$131.3M |
$200.7M
+0.2% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 13.3% in tier |
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| ROA |
1.1%
+28.9% YoY-2.5% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.1%
+9.1% YoY-0.1% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
63.7%
-8.2% YoY-0.4% QoQ
|
-13.0% |
76.7%
-0.8% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Top 13.7% in tier |
| Delinquency Rate |
1.1%
+6.7% YoY+0.1% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
68.2%
-1.8% YoY-1.6% QoQ
|
-3.4% |
71.5%
-0.3% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$26,769
+4.3% YoY+1.2% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
29.7%
+10.5% YoY+3.1% QoQ
|
+5.2% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
31.5%
-3.0% YoY-0.7% QoQ
|
+17.8% | 13.6% | 7.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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.
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)