BlastPoint's Credit Union Scorecard
YOUNG COMMUNITY
Charter #24950 · KY
<100M
2508 CUs in <100M nationally
35 in KY
YOUNG COMMUNITY has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.09% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 0.2% in tier
- + Fee Income Per Member: Top 1.0% in tier
- + Deposit Growth Rate: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 15.08% below tier average
- - Efficiency ratio 114.92% above tier (higher cost structure)
- - Member decline: -21.3% YoY
- - Net Worth Ratio: Bottom 0.6% in tier
- - Asset Growth Rate: Bottom 0.8% in tier
- - Member Growth Rate: Bottom 1.9% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Total Assets: Bottom 4.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
188
-21.3% YoY+18.2% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
Bottom 4.2% in tier |
| Assets |
$715,542
-23.8% YoY-5.6% QoQ
|
$-29.5M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.1% in tier |
| Loans |
$196,763
+366.6% YoY+34.5% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.2% in tier |
| Deposits |
$443,613
+17.9% YoY-1.0% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.6% in tier |
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| ROA |
-14.9%
-60.3% YoY+9.2% QoQ
|
-15.1% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.6% in tier |
| NIM |
5.1%
+70.3% YoY+67.0% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
205.6%
-76.7% YoY-56.7% QoQ
|
+114.9% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
44.4%
+295.9% YoY+35.8% QoQ
|
-14.2% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$3,406
+94.5% YoY-8.9% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.1% in tier |
| CD Concentration |
1.5%
-24.5% YoY-12.1% QoQ
|
-22.8% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.7% | 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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
3
AMR Growth Rate
growth
Value:
94.51%
Peer Median: 1.27%
#3 of 2508
Top 0.1% in <100M tier
5
Loan Growth Rate
growth
Value:
366.59%
Peer Median: -2.36%
#5 of 2508
Top 0.2% in <100M tier
27
Fee Income Per Member
profitability
Value:
$344.28
Peer Median: $60.42
#27 of 2508
Top 1.0% in <100M tier
52
Deposit Growth Rate
growth
Value:
17.87%
Peer Median: 0.66%
#52 of 2508
Top 2.0% in <100M tier
259
Net Interest Margin (NIM)
profitability
Value:
5.10%
Peer Median: 3.83%
#259 of 2508
Top 10.3% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (12 metrics)
2495
Net Worth Ratio
risk
Value:
4.57%
Peer Median: 14.28%
#2495 of 2508
Bottom 0.6% in <100M tier
2492
Return on Assets (ROA)
profitability
Value:
-14.93%
Peer Median: 0.61%
#2492 of 2508
Bottom 0.7% in <100M tier
2489
Asset Growth Rate
growth
Value:
-23.85%
Peer Median: 1.30%
#2489 of 2508
Bottom 0.8% in <100M tier
2468
Efficiency Ratio
profitability
Value:
205.55%
Peer Median: 81.45%
#2468 of 2508
Bottom 1.6% in <100M tier
2462
Member Growth Rate
growth
Value:
-21.34%
Peer Median: -1.37%
#2462 of 2508
Bottom 1.9% in <100M tier
2418
Total Deposits
balance_sheet
Value:
$443,613
Peer Median: $18.77M
#2418 of 2508
Bottom 3.6% in <100M tier
2406
Total Assets
balance_sheet
Value:
$715,542
Peer Median: $21.86M
#2406 of 2508
Bottom 4.1% in <100M tier
2403
Total Loans
balance_sheet
Value:
$196,763
Peer Median: $9.48M
#2403 of 2508
Bottom 4.2% in <100M tier
2401
Total Members
engagement
Value:
188
Peer Median: 1,918
#2401 of 2508
Bottom 4.3% in <100M tier
2379
Average Member Relationship (AMR)
engagement
Value:
$3,406
Peer Median: $13,926
#2379 of 2508
Bottom 5.2% in <100M tier