BlastPoint's Credit Union Scorecard

PARK

Charter #24931 · KY

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 5 in KY
View Mid-Market leaderboard →

PARK has 6 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

  • + Organic Growth Leader: Top 17.1% in tier
  • + Organic Growth Engine: Top 17.1% in tier
  • + Emerging Performer: Top 63.2% in tier
  • + Net Interest Margin 0.18% above tier average
  • + Strong member growth: 5.8% YoY
  • + Net Worth Ratio: Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.1% in tier
  • - Credit Quality Pressure: Bottom 15.0% in tier
  • - Liquidity Strain: Bottom 37.6% in tier
  • - Credit Risk Growth: Bottom 39.5% in tier
  • - ROA 0.17% below tier average
  • - Delinquency rate 0.94% above tier average
  • - Net Charge-Off Rate: Bottom 2.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 80,908
+5.8% YoY+1.0% QoQ
 -15.1K 96,048
-2.7% YoY
 19,049
+8.0% YoY
 33,913
+5.7% YoY
 43%
Assets $1.4B
+4.8% YoY+2.1% QoQ
 $-273.6M $1.7B
+0.4% YoY
 $318.2M
+13.2% YoY
 $578.3M
+9.0% YoY
 41%
Loans $1.1B
+7.2% YoY-0.2% QoQ
 $-156.6M $1.2B
+0.2% YoY
 $224.2M
+14.2% YoY
 $402.4M
+8.7% YoY
 44%
Deposits $1.2B
+4.8% YoY+2.4% QoQ
 $-293.4M $1.5B
+0.5% YoY
 $268.6M
+13.0% YoY
 $494.3M
+9.1% YoY
 38%

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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%
-22.9% YoY+15.7% QoQ
 -0.2% 0.7%
+27.6% YoY
 -0.2%
-46.7% YoY
 0.4%
-39.2% YoY
 38%
NIM 3.5%
+18.5% YoY+9.5% QoQ
 +0.2% 3.4%
+6.2% YoY
 3.3%
-7.9% YoY
 3.8%
+4.1% YoY
 60%
Efficiency Ratio 63.6%
-15.0% YoY-12.4% QoQ
 -11.0% 74.6%
-3.0% YoY
 83.1%
-14.8% YoY
 84.6%
+2.8% YoY
 Top 11.1% in tier
Delinquency Rate 1.7%
+16.6% YoY-21.5% QoQ
 +0.9 0.8%
+6.9% YoY
 0.9%
-11.3% YoY
 1.2%
+3.4% YoY
 Bottom 5.2% in tier
Loan To Share 90.2%
+2.2% YoY-2.5% QoQ
 +7.0% 83.2%
-0.4% YoY
 64.5%
+0.1% YoY
 65.6%
-1.4% YoY
 66%
AMR $27,553
+0.1% YoY+0.1% QoQ
 $-2K $29,652
+2.3% YoY
 $17,696
+5.9% YoY
 $19,920
+1.6% YoY
 46%
CD Concentration 33.9%
+6.2% YoY-1.9% QoQ
 +5.1% 28.8% 22.8% 19.8% 72%
Indirect Auto % 8.5%
+2117.5% YoY+4.2% QoQ
 -9.5% 18.1% 7.7% 7.7% 35%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#28 of 116 • Top 17.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.84%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Indirect Auto %: 8.54%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#69 of 115 • Top 17.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.84%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Return on Assets: 0.54%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 8.54%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Emerging Performer

growth
#48 of 79 • Top 63.2% 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: 0.54%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Member Growth (YoY): 5.84%
(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)

Credit Quality Pressure

risk
#57 of 225 • Bottom 15.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.24% 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

Credit Risk Growth

risk
#48 of 183 • Bottom 39.5% in tier

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

Why This Signature
Loan Growth (YoY): 7.15%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.24% 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

Liquidity Overhang

risk
#12 of 15 • Bottom 3.1% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.59%
(Tier: 11.28%, National: 14.35%)
but better than tier avg
Loan-to-Share Ratio: 90.18%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
15 of 384 Mid-Market CUs have this signature | 143 nationally
→ Stable (16→15 CUs) -1 CUs YoY

Liquidity Strain

risk
#123 of 148 • Bottom 37.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.18%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 7.15%
(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 | New qualifier

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)

Comparing against 306 peers in tier

Top Strengths (4 metrics)

12
Net Worth Ratio
risk
Value: 17.59%
Peer Median: 10.85%
#12 of 306 Top 3.6% in 1B-3B tier
35
Efficiency Ratio
profitability
Value: 63.63%
Peer Median: 75.16%
#35 of 306 Top 11.1% in 1B-3B tier
49
Member Growth Rate
growth
Value: 5.84%
Peer Median: 2.03%
#49 of 306 Top 15.7% in 1B-3B tier
64
Fee Income Per Member
profitability
Value: $254.97
Peer Median: $191.54
#64 of 306 Top 20.6% in 1B-3B tier

Top Weaknesses (3 metrics)

300
Net Charge-Off Rate
risk
Value: 1.67%
Peer Median: 0.51%
#300 of 306 Bottom 2.3% in 1B-3B tier
291
Total Delinquency Rate (60+ days)
risk
Value: 1.70%
Peer Median: 0.63%
#291 of 306 Bottom 5.2% in 1B-3B tier
231
Share Certificate Concentration (%)
balance_sheet
Value: 33.92%
Peer Median: 27.93%
#231 of 306 Bottom 24.8% in 1B-3B tier
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