BlastPoint's Credit Union Scorecard
YOUNG COMMUNITY
Charter #24950 · KY
2596 CUs in <100M nationally
37 in KY
YOUNG COMMUNITY has 9 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 22.3% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.0% in tier
- + Asset Growth Rate: Top 0.5% in tier
- + Deposit Growth Rate: Top 0.7% in tier
- + AMR Growth Rate: Top 0.7% in tier
- + Member Growth Rate: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 17.01% below tier average
- - Efficiency ratio 404.05% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.7% in tier
- - Total Members: Bottom 3.3% in tier
- - Total Loans: Bottom 3.6% in tier
- - Total Deposits: Bottom 3.9% in tier
- - Total Assets: Bottom 4.6% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.7% in tier
- - Average Member Relationship (AMR): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
159
+22.3% YoY+16.9% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
Bottom 3.3% in tier |
| Assets |
$755,281
+37.6% YoY-22.9% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.5% in tier |
| Loans |
$146,311
+5948.4% YoY+96.7% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.5% in tier |
| Deposits |
$447,916
+36.2% YoY+16.8% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.8% in tier |
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| ROA |
-16.3%
-65.0% YoY+84.8% QoQ
|
-17.0% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.3% in tier |
| NIM |
3.5%
+3726.0% YoY-0.0% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
485.4%
-73.4% YoY+54.3% QoQ
|
+404.0% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
Top 0.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
32.7%
+4342.4% YoY+68.4% QoQ
|
-28.6% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.1% in tier |
| AMR |
$3,737
+46.6% YoY+11.0% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
1.7%
-14.2% QoQ
|
-22.7% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
2
Loan Growth Rate
growth
Value:
5948.41%
Peer Avg: -
#2 of 2596
Top 0.0% in <100M tier
15
Asset Growth Rate
growth
Value:
37.61%
Peer Avg: -
#15 of 2596
Top 0.5% in <100M tier
18
Deposit Growth Rate
growth
Value:
36.15%
Peer Avg: -
#18 of 2596
Top 0.7% in <100M tier
20
AMR Growth Rate
growth
Value:
46.60%
Peer Avg: -
#20 of 2596
Top 0.7% in <100M tier
41
Member Growth Rate
growth
Value:
22.31%
Peer Avg: -
#41 of 2596
Top 1.5% in <100M tier
Top Weaknesses (12 metrics)
2588
Return on Assets (ROA)
profitability
Value:
-16.32%
Peer Avg: -
#2588 of 2596
Bottom 0.3% in <100M tier
2586
Efficiency Ratio
profitability
Value:
485.44%
Peer Avg: -
#2586 of 2596
Bottom 0.4% in <100M tier
2528
Net Worth Ratio
risk
Value:
7.39%
Peer Avg: -
#2528 of 2596
Bottom 2.7% in <100M tier
2511
Total Members
engagement
Value:
159
Peer Avg: -
#2511 of 2596
Bottom 3.3% in <100M tier
2504
Total Loans
balance_sheet
Value:
$146,311
Peer Avg: -
#2504 of 2596
Bottom 3.6% in <100M tier
2497
Total Deposits
balance_sheet
Value:
$447,916
Peer Avg: -
#2497 of 2596
Bottom 3.9% in <100M tier
2478
Total Assets
balance_sheet
Value:
$755,281
Peer Avg: -
#2478 of 2596
Bottom 4.6% in <100M tier
2469
Members Per Employee (MPE)
engagement
Value:
79.500
Peer Avg: -
#2469 of 2596
Bottom 4.9% in <100M tier
2449
Loan-to-Member Ratio (LMR)
engagement
Value:
$920.19
Peer Avg: -
#2449 of 2596
Bottom 5.7% in <100M tier
2444
Average Member Relationship (AMR)
engagement
Value:
$3,737
Peer Avg: -
#2444 of 2596
Bottom 5.9% in <100M tier