BlastPoint's Credit Union Scorecard

UNIVERSITY OF KENTUCKY

Charter #24165 · KY

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 5 in KY

View Mid-Market leaderboard →

UNIVERSITY OF KENTUCKY has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 10.4% YoY
+ Loan-to-Share Ratio: Top 1.0% in tier
+ Loan Growth Rate: Top 4.3% in tier
+ Asset Growth Rate: Top 5.3% in tier
+ Member Growth Rate: Top 6.7% in tier
+ Deposit Growth Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.9% in tier
- Credit Risk Growth: Bottom 5.4% in tier
- Indirect Auto Dependency: Bottom 5.9% in tier
- Efficiency Drag: Bottom 11.5% in tier
- Credit Quality Pressure: Bottom 16.9% in tier
- ROA 0.53% below tier average
- Efficiency ratio 10.53% above tier (higher cost structure)
- Delinquency rate 0.11% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Kentucky.
Shares and deposits +12.7% year over year ($1.39B in shares and deposits).
Membership: 121,057 members, +10.4% vs a year ago.
Delinquency rate 0.97%.
Return on assets 0.29%.
Efficiency ratio 83.55% vs a 73.02% peer average.
Loan-to-share ratio 110.59% vs a 84.71% 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	121,057 +10.4% YoY+7.2% QoQ	+24.2K	96,861 -1.9% YoY	19,704 +8.5% YoY	34,678 +6.6% YoY	74%
Assets	$1.8B +15.8% YoY+6.1% QoQ	+$70.0M	$1.7B +0.4% YoY	$329.2M +13.7% YoY	$593.1M +10.2% YoY	62%
Loans	$1.5B +17.4% YoY+6.4% QoQ	+$300.1M	$1.2B +0.7% YoY	$234.8M +15.2% YoY	$418.6M +10.1% YoY	73%
Deposits	$1.4B +12.7% YoY+5.2% QoQ	$-76.0M	$1.5B +0.5% YoY	$276.9M +13.5% YoY	$504.8M +10.3% YoY	56%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -55.4% YoY-45.0% QoQ	-0.5%	0.8% +27.6% YoY	1.2% +141.8% YoY	1.2% +121.4% YoY	Bottom 11.0% in tier
NIM	3.4% -4.7% YoY+2.3% QoQ	+0.0%	3.4% +6.6% YoY	3.7% +2.3% YoY	3.8% +2.3% YoY	43%
Efficiency Ratio	83.5% +9.9% YoY+4.8% QoQ	+10.5%	73.0% -2.7% YoY	83.2% +1.5% YoY	83.0% -5.3% YoY	Bottom 12.3% in tier
Delinquency Rate	1.0% +36.0% YoY+8.0% QoQ	+0.1	0.9% +7.3% YoY	1.1% +18.9% YoY	1.3% +2.6% YoY	71%
Loan To Share	110.6% +4.2% YoY+1.1% QoQ	+25.9%	84.7% +0.1% YoY	64.3% -0.2% YoY	66.4% -1.4% YoY	Top 1.3% in tier
AMR	$24,136 +4.3% YoY-1.3% QoQ	$-5K	$29,575 +1.5% YoY	$17,761 +5.3% YoY	$20,028 -0.9% YoY	25%
CD Concentration	36.5% -11.6% YoY-8.3% QoQ	+7.4%	29.1%	23.1%	20.0%	81%
Indirect Auto %	25.2% -22.0% YoY-6.1% QoQ	+7.1%	18.1%	7.6%	7.7%	70%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Liquidity Strain

risk

#2 of 168 • Bottom 1.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 110.59%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 17.43%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Credit Risk Growth

risk

#11 of 170 • Bottom 5.4% in tier

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

Why This Signature

Loan Growth (YoY): 17.43%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Credit Quality Pressure

risk

#63 of 215 • Bottom 16.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#66 of 193 • Bottom 5.9% in tier

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

Why This Signature

Asset Growth (YoY): 15.83%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 25.23%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 10.43%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Efficiency Drag

risk

#66 of 71 • Bottom 11.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.55%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.36% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 10.43%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 110.59%

Peer Median: 87.07%

#4 of 300 Top 1.0% in 1B-3B tier

Loan Growth Rate

growth

Value: 17.43%

Peer Median: 5.71%

#14 of 300 Top 4.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 15.83%

Peer Median: 5.21%

#17 of 300 Top 5.3% in 1B-3B tier

Member Growth Rate

growth

Value: 10.43%

Peer Median: 1.84%

#21 of 300 Top 6.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 12.72%

Peer Median: 4.79%

#28 of 300 Top 9.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.68%

Peer Median: 33.59%

#60 of 300 Top 19.7% in 1B-3B tier

Top Weaknesses (3 metrics)

267

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: 0.77%

#267 of 300 Bottom 11.3% in 1B-3B tier

264

Efficiency Ratio

profitability

Value: 83.55%

Peer Median: 73.62%

#264 of 300 Bottom 12.3% in 1B-3B tier

255

Share Certificate Concentration (%)

balance_sheet

Value: 36.50%

Peer Median: 28.24%

#255 of 300 Bottom 15.3% in 1B-3B tier