BlastPoint's Credit Union Scorecard

UNIVERSITY OF KENTUCKY

Charter #24165 · KY

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

UNIVERSITY OF KENTUCKY has 2 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

+ Emerging Performer: Top 64.8% in tier
+ Loan-to-Share Ratio: Top 1.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.3% in tier
- Credit Quality Pressure: Bottom 17.6% in tier
- Credit Risk Growth: Bottom 20.8% in tier
- Indirect Auto Dependency: Bottom 24.2% in tier
- ROA 0.19% below tier average
- Efficiency ratio 5.11% above tier (higher cost structure)
- Delinquency rate 0.14% above tier average
- Share Certificate Concentration (%): Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	112,948 +3.8% YoY+0.9% QoQ	+16.9K	96,048 -2.7% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	70%
Assets	$1.7B +8.3% YoY+2.6% QoQ	$-29.2M	$1.7B +0.4% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	58%
Loans	$1.4B +10.7% YoY+1.8% QoQ	+$228.9M	$1.2B +0.2% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	72%
Deposits	$1.3B +5.4% YoY+2.7% QoQ	$-146.1M	$1.5B +0.5% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	51%

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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	0.5% +3.2% YoY-38.3% QoQ	-0.2%	0.7% +27.6% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	36%
NIM	3.3% -2.7% YoY-6.5% QoQ	+0.0%	3.4% +6.2% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	79.7% +0.1% YoY+12.3% QoQ	+5.1%	74.6% -3.0% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	71%
Delinquency Rate	0.9% +30.2% YoY+5.8% QoQ	+0.1	0.8% +6.9% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	74%
Loan To Share	109.3% +5.0% YoY-0.9% QoQ	+26.2%	83.2% -0.4% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	Top 1.6% in tier
AMR	$24,454 +4.1% YoY+1.3% QoQ	$-5K	$29,652 +2.3% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	26%
CD Concentration	39.8% -9.3% YoY-3.2% QoQ	+11.0%	28.8%	22.8%	19.8%	Top 10.7% in tier
Indirect Auto %	26.9% -18.1% YoY-1.8% QoQ	+8.8%	18.1%	7.7%	7.7%	71%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#63 of 79 • Top 64.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.53%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 3.84%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk

#5 of 148 • Bottom 2.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 109.34%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 10.66%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#25 of 183 • Bottom 20.8% in tier

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

Why This Signature

Loan Growth (YoY): 10.66%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#67 of 225 • Bottom 17.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#79 of 198 • Bottom 24.2% in tier

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

Why This Signature

Asset Growth (YoY): 8.34%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 26.86%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.84%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY

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 306 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 109.34%

Peer Median: 85.31%

#5 of 306 Top 1.3% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 18.51%

Peer Median: 33.05%

#42 of 306 Top 13.4% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.66%

Peer Median: 5.67%

#61 of 306 Top 19.6% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.34%

Peer Median: 4.82%

#68 of 306 Top 21.9% in 1B-3B tier

Top Weaknesses (1 metrics)

279

Share Certificate Concentration (%)

balance_sheet

Value: 39.81%

Peer Median: 27.93%

#279 of 306 Bottom 9.2% in 1B-3B tier