BlastPoint's Credit Union Scorecard
PARK
Charter #24931 · KY
PARK has 4 strengths but faces 7 concerns
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How does KY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 24.1% in tier
- + Organic Growth Engine: Top 41.1% in tier
- + Strong member growth: 6.3% YoY
- + Net Worth Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.9% in tier
- - Credit Quality Pressure: Bottom 21.0% in tier
- - Liquidity Overhang: Bottom 68.8% in tier
- - Liquidity Strain: Bottom 70.9% in tier
- - ROA 0.21% below tier average
- - Delinquency rate 1.26% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,079
+6.3% YoY+1.3% QoQ
|
-17.4K |
97,431
-2.4% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$1.4B
+7.1% YoY+2.3% QoQ
|
$-306.3M |
$1.7B
+0.9% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$1.1B
+8.8% YoY+2.1% QoQ
|
$-175.7M |
$1.2B
+0.5% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$1.1B
+6.8% YoY+2.6% QoQ
|
$-314.6M |
$1.5B
+0.9% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.5%
+112.7% YoY-9.5% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.2%
+14.9% YoY+1.6% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
72.6%
-15.2% YoY-0.7% QoQ
|
-1.5% |
74.1%
-9.5% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
2.2%
+16.7% YoY+7.2% QoQ
|
+1.3 |
0.9%
+6.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Top 3.3% in tier |
| Loan To Share |
92.5%
+1.8% YoY-0.5% QoQ
|
+7.7% |
84.8%
-0.8% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$27,516
+1.3% YoY+1.1% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
34.6%
+11.4% YoY+4.0% QoQ
|
+5.5% | 29.0% | 22.4% | 19.8% | 76% |
| Indirect Auto % |
8.2%
+1481.6% YoY+34.1% QoQ
|
-10.1% | 18.3% | 7.7% | 7.8% | 32% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
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.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)