BlastPoint's Credit Union Scorecard

UNIVERSITY OF KENTUCKY

Charter #24165 · KY

Mid-Market 1B-3B

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

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UNIVERSITY OF KENTUCKY has 5 strengths but faces 9 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

+ Organic Growth Engine: Top 23.5% in tier
+ Emerging Performer: Top 76.1% in tier
+ ROA 0.06% above tier average
+ Net Interest Margin 0.33% above tier average
+ Loan-to-Share Ratio: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.8% in tier
- Liquidity Strain: Bottom 9.5% in tier
- Credit Risk Growth: Bottom 17.6% in tier
- Cost Spiral: Bottom 21.4% in tier
- Indirect Auto Dependency: Bottom 23.4% in tier
- Margin Compression: Bottom 28.0% in tier
- Efficiency ratio 0.30% above tier (higher cost structure)
- Delinquency rate 0.20% above tier average
- Share Certificate Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	110,916 +2.3% YoY+1.2% QoQ	+12.2K	98,678 -1.9% YoY	18,350 +6.5% YoY	33,089 +6.1% YoY	67%
Assets	$1.6B +1.9% YoY+2.4% QoQ	$-133.2M	$1.7B +0.5% YoY	$291.9M +10.4% YoY	$547.7M +7.8% YoY	53%
Loans	$1.3B +1.9% YoY+2.6% QoQ	+$107.1M	$1.2B +0.5% YoY	$208.5M +10.3% YoY	$388.7M +8.6% YoY	66%
Deposits	$1.2B +1.8% YoY+1.3% QoQ	$-207.4M	$1.5B +1.3% YoY	$245.3M +10.3% YoY	$464.6M +9.3% YoY	47%

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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	0.8% -14.7% YoY+16.6% QoQ	+0.1%	0.7% +13.4% YoY	0.2% -216.5% YoY	0.7% +273.4% YoY	60%
NIM	3.6% +3.4% YoY+1.2% QoQ	+0.3%	3.3% +9.3% YoY	3.6% +4.6% YoY	3.7% +5.0% YoY	72%
Efficiency Ratio	74.3% +7.8% YoY-2.3% QoQ	+0.3%	74.0% -10.9% YoY	85.0% -21.4% YoY	79.1% -3.3% YoY	48%
Delinquency Rate	1.0% +34.8% YoY+44.2% QoQ	+0.2	0.8% +6.1% YoY	0.8% -26.3% YoY	1.2% -0.9% YoY	76%
Loan To Share	107.5% +0.1% YoY+1.3% QoQ	+22.3%	85.2% -0.8% YoY	65.5% -4.4% YoY	68.0% -1.7% YoY	Top 3.0% in tier
AMR	$23,325 -0.4% YoY+0.8% QoQ	$-6K	$29,172 +2.8% YoY	$16,917 +3.2% YoY	$19,418 +1.3% YoY	23%
CD Concentration	40.4% -14.9% YoY-2.1% QoQ	+11.5%	29.0% +0.7% YoY	22.1% -0.3% YoY	19.6% +6.2% YoY	Top 10.3% in tier
Indirect Auto %	28.2% -17.4% YoY-12.7% QoQ	+9.5%	18.8% -3.0% YoY	7.8% -3.4% YoY	7.9% -2.9% YoY	73%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#171 of 246 • Top 23.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.29%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.77%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 28.24%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Emerging Performer

growth

#55 of 72 • Top 76.1% 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: 0.77%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.29%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk

#53 of 217 • Bottom 6.8% 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: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Strain

risk

#51 of 183 • Bottom 9.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 107.48%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 1.94%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Credit Risk Growth

risk

#99 of 161 • Bottom 17.6% in tier

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

Why This Signature

Loan Growth (YoY): 1.94%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank worsening

Cost Spiral

risk

#13 of 14 • Bottom 21.4% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.40% points

(Tier: -7.46% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 45.57%

(Tier: 51.53%, National: 63.68%)

but better than tier avg

14 of 380 Mid-Market CUs have this signature | 80 nationally

→ Stable (16→14 CUs) -2 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#145 of 202 • Bottom 23.4% in tier

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

Why This Signature

Asset Growth (YoY): 1.90%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 28.24%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.29%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Margin Compression

decline

#24 of 24 • Bottom 28.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.77%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 0.90%

(Tier: 0.64%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 169 nationally

↓ Shrinking -16 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 107.48%

Peer Avg: -

#9 of 304 Top 2.6% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 18.90%

Peer Avg: -

#45 of 304 Top 14.5% in 1B-3B tier

Top Weaknesses (4 metrics)

278

Share Certificate Concentration (%)

balance_sheet

Value: 40.44%

Peer Avg: -

#278 of 304 Bottom 8.9% in 1B-3B tier

235

AMR Growth Rate

growth

Value: -0.40%

Peer Avg: -

#235 of 304 Bottom 23.0% in 1B-3B tier

234

Average Member Relationship (AMR)

engagement

Value: $23,325

Peer Avg: -

#234 of 304 Bottom 23.4% in 1B-3B tier

233

Total Delinquency Rate (60+ days)

risk

Value: 1.03%

Peer Avg: -

#233 of 304 Bottom 23.7% in 1B-3B tier