BlastPoint's Credit Union Scorecard
PARK
Charter #24931 · KY
PARK has 5 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does KY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 19.1% in tier
- + Organic Growth Engine: Top 19.1% in tier
- + Net Interest Margin 0.24% above tier average
- + Strong member growth: 5.4% YoY
- + Net Worth Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 22.7% in tier
- - Shrinking Wallet Share: Bottom 82.3% in tier
- - ROA 0.42% below tier average
- - Delinquency rate 1.14% above tier average
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Kentucky.
- Shares and deposits +2.0% year over year ($1.12B in shares and deposits).
- Membership: 82,105 members, +5.4% vs a year ago.
- Delinquency rate 2.00%.
- Return on assets 0.40%.
- Efficiency ratio 66.20% vs a 73.02% peer average.
- Loan-to-share ratio 97.13% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
82,105
+5.4% YoY+1.5% QoQ
|
-14.8K |
96,861
-1.9% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$1.4B
+5.0% YoY-1.1% QoQ
|
$-294.4M |
$1.7B
+0.4% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$1.1B
+7.5% YoY+2.8% QoQ
|
$-147.9M |
$1.2B
+0.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$1.1B
+2.0% YoY-4.6% QoQ
|
$-344.9M |
$1.5B
+0.5% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
31% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-39.6% YoY-26.4% QoQ
|
-0.4% |
0.8%
+27.6% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
17% |
| NIM |
3.7%
+20.2% YoY+3.8% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
66.2%
-10.3% YoY+4.0% QoQ
|
-6.8% |
73.0%
-2.7% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
2.0%
-8.1% YoY+18.2% QoQ
|
+1.1 |
0.9%
+7.3% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.7% in tier |
| Loan To Share |
97.1%
+5.4% YoY+7.7% QoQ
|
+12.4% |
84.7%
+0.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$26,853
-0.7% YoY-2.5% QoQ
|
$-3K |
$29,575
+1.5% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
30.3%
-6.4% YoY-10.7% QoQ
|
+1.2% | 29.1% | 23.1% | 20.0% | 57% |
| Indirect Auto % |
8.3%
+113.1% YoY-2.3% QoQ
|
-9.7% | 18.1% | 7.6% | 7.7% | 33% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)