BlastPoint's Credit Union Scorecard
YOUNG COMMUNITY
Charter #24950 · KY
YOUNG COMMUNITY has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 16.73% above tier average
- + Net Interest Margin 0.69% above tier average
- + Strong member growth: 87.5% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 0.2% in tier
- + Member Growth Rate: Top 0.4% in tier
- + Deposit Growth Rate: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 199.48% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.2% in tier
- - Asset Growth Rate: Bottom 3.9% in tier
- - Total Deposits: Bottom 4.1% in tier
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Total Loans: Bottom 4.3% in tier
- - Total Assets: Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits +41.4% year over year ($542K in shares and deposits).
- Membership: 255 members, +87.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 18.23%.
- Efficiency ratio 288.25% vs a 88.77% peer average.
- Loan-to-share ratio 39.56% vs a 58.89% 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 |
255
+87.5% YoY+35.6% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Bottom 6.5% in tier |
| Assets |
$868,655
-11.4% YoY+21.4% QoQ
|
$-29.4M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.4% in tier |
| Loans |
$214,618
+188.5% YoY+9.1% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.3% in tier |
| Deposits |
$542,451
+41.4% YoY+22.3% QoQ
|
$-25.3M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.0% in tier |
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| ROA |
18.2%
-306.3% YoY-222.1% QoQ
|
+16.7% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
Top 0.4% in tier |
| NIM |
4.6%
+29.3% YoY-10.0% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
288.2%
-8.4% YoY+40.2% QoQ
|
+199.5% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
39.6%
+103.9% YoY-10.8% QoQ
|
-19.3% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$2,969
-11.8% YoY-12.8% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.3% in tier |
| CD Concentration |
1.0%
-47.9% YoY-30.9% QoQ
|
-23.5% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)