BlastPoint's Credit Union Scorecard
YOUNG COMMUNITY
Charter #24950 · KY
2556 CUs in <100M nationally
37 in KY
YOUNG COMMUNITY has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- + AMR Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 14.29% below tier average
- - Efficiency ratio 392.37% above tier (higher cost structure)
- - Member decline: -24.3% YoY
- - Member Growth Rate: Bottom 1.5% in tier
- - Total Members: Bottom 3.3% in tier
- - Total Loans: Bottom 3.6% in tier
- - Total Deposits: Bottom 3.7% in tier
- - Net Worth Ratio: Bottom 3.8% in tier
- - Total Assets: Bottom 4.3% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
- - Average Member Relationship (AMR): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
159
-24.3% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.2% in tier |
| Assets |
$758,076
+80.6% YoY+0.4% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.2% in tier |
| Loans |
$146,311
+7536.3% YoY0% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.5% in tier |
| Deposits |
$447,916
+60.2% YoY0% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.7% in tier |
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| ROA |
-13.7%
-74.3% YoY-16.3% QoQ
|
-14.3% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.3% in tier |
| NIM |
3.1%
-5.4% YoY-14.0% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
474.9%
-70.2% YoY-2.2% QoQ
|
+392.4% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Top 0.4% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
32.7%
+4665.3% YoY0% QoQ
|
-27.9% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.2% in tier |
| AMR |
$3,737
+178.9% YoY0% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.6% in tier |
| CD Concentration |
1.7%
-36.0% YoY0% QoQ
|
-22.7% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
2
Loan Growth Rate
growth
Value:
7536.27%
Peer Median: -
#2 of 2556
Top 0.0% in <100M tier
3
AMR Growth Rate
growth
Value:
178.87%
Peer Median: -
#3 of 2556
Top 0.1% in <100M tier
5
Asset Growth Rate
growth
Value:
80.63%
Peer Median: -
#5 of 2556
Top 0.2% in <100M tier
10
Deposit Growth Rate
growth
Value:
60.25%
Peer Median: -
#10 of 2556
Top 0.4% in <100M tier
Top Weaknesses (13 metrics)
2548
Return on Assets (ROA)
profitability
Value:
-13.67%
Peer Median: -
#2548 of 2556
Bottom 0.4% in <100M tier
2548
Efficiency Ratio
profitability
Value:
474.93%
Peer Median: -
#2548 of 2556
Bottom 0.4% in <100M tier
2519
Member Growth Rate
growth
Value:
-24.29%
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2472
Total Members
engagement
Value:
159
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2466
Total Loans
balance_sheet
Value:
$146,311
Peer Median: -
#2466 of 2556
Bottom 3.6% in <100M tier
2462
Total Deposits
balance_sheet
Value:
$447,916
Peer Median: -
#2462 of 2556
Bottom 3.7% in <100M tier
2461
Net Worth Ratio
risk
Value:
7.74%
Peer Median: -
#2461 of 2556
Bottom 3.8% in <100M tier
2448
Total Assets
balance_sheet
Value:
$758,076
Peer Median: -
#2448 of 2556
Bottom 4.3% in <100M tier
2431
Members Per Employee (MPE)
engagement
Value:
79.500
Peer Median: -
#2431 of 2556
Bottom 4.9% in <100M tier
2421
Loan-to-Member Ratio (LMR)
engagement
Value:
$920.19
Peer Median: -
#2421 of 2556
Bottom 5.3% in <100M tier