BlastPoint's Credit Union Scorecard
UNIVERSITY OF KENTUCKY
Charter #24165 · KY
UNIVERSITY OF KENTUCKY has 5 strengths but faces 5 concerns
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How does KY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 54.0% in tier
- + Organic Growth Engine: Top 56.1% in tier
- + ROA 0.18% above tier average
- + Net Interest Margin 0.26% above tier average
- + Loan-to-Share Ratio: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.1% in tier
- - Credit Risk Growth: Bottom 43.6% in tier
- - Credit Quality Pressure: Bottom 55.2% in tier
- - Indirect Auto Dependency: Bottom 61.5% in tier
- - Share Certificate Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
111,889
+3.3% YoY+0.9% QoQ
|
+14.5K |
97,431
-2.4% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$1.6B
+5.3% YoY+3.9% QoQ
|
$-75.7M |
$1.7B
+0.9% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$1.4B
+8.0% YoY+5.8% QoQ
|
+$183.1M |
$1.2B
+0.5% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$1.3B
+4.3% YoY+3.0% QoQ
|
$-175.0M |
$1.5B
+0.9% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.9%
+12.1% YoY+12.7% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.5%
+2.1% YoY-1.5% QoQ
|
+0.3% |
3.3%
+9.2% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
71.0%
-0.7% YoY-4.4% QoQ
|
-3.0% |
74.1%
-9.5% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.8%
+15.6% YoY-17.5% QoQ
|
-0.0 |
0.9%
+6.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
110.4%
+3.5% YoY+2.7% QoQ
|
+25.6% |
84.8%
-0.8% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
Top 1.7% in tier |
| AMR |
$24,147
+2.8% YoY+3.5% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
41.1%
-16.1% YoY+1.7% QoQ
|
+12.1% | 29.0% | 22.4% | 19.8% | Top 9.6% in tier |
| Indirect Auto % |
27.3%
-18.3% YoY-3.2% QoQ
|
+9.0% | 18.3% | 7.7% | 7.8% | 72% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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.
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)