BlastPoint's Credit Union Scorecard
PARK
Charter #24931 · KY
PARK has 5 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 12.2% in tier
- + Organic Growth Engine: Top 17.0% in tier
- + Emerging Performer: Top 69.0% in tier
- + Strong member growth: 5.1% YoY
- + Net Worth Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.2% in tier
- - Credit Quality Pressure: Bottom 3.4% in tier
- - Liquidity Strain: Bottom 22.3% in tier
- - Liquidity Overhang: Bottom 75.0% in tier
- - ROA 0.18% below tier average
- - Delinquency rate 1.19% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
79,076
+5.1% YoY+1.5% QoQ
|
-19.6K |
98,678
-1.9% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$1.4B
+5.3% YoY+1.7% QoQ
|
$-333.9M |
$1.7B
+0.5% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$1.0B
+8.3% YoY+2.6% QoQ
|
$-195.7M |
$1.2B
+0.5% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$1.1B
+3.0% YoY+1.8% QoQ
|
$-338.6M |
$1.5B
+1.3% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
0.5%
+79.4% YoY-21.6% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
3.2%
+15.8% YoY+4.0% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
73.1%
-13.5% YoY-0.9% QoQ
|
-0.8% |
74.0%
-10.9% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
2.0%
+27.6% YoY-7.6% QoQ
|
+1.2 |
0.8%
+6.1% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
Top 3.3% in tier |
| Loan To Share |
93.0%
+5.2% YoY+0.9% QoQ
|
+7.8% |
85.2%
-0.8% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$27,228
+0.4% YoY+0.7% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
33.3%
+2.8% YoY+2.7% QoQ
|
+4.3% |
29.0%
+0.7% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
71% |
| Indirect Auto % |
6.1%
+833.4% YoY+56.2% QoQ
|
-12.7% |
18.8%
-3.0% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
27% |
Signature Analysis
Strengths (3)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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 Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)