BlastPoint's Credit Union Scorecard
KINECTA
Charter #4142 · CA
KINECTA has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 12.5% in tier
- + Wallet Share Momentum: Top 12.5% in tier
- + Loan-to-Member Ratio (LMR): Top 5.4% in tier
- + AMR Growth Rate: Top 8.1% in tier
- + Total Loans: Top 8.1% in tier
- + Average Member Relationship (AMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 37.9% in tier
- - Credit Quality Pressure: Bottom 48.4% in tier
- - Institutional Decline: Bottom 56.1% in tier
- - Stagnation Risk: Bottom 96.9% in tier
- - Membership Headwinds: Bottom 96.9% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 12.03% above tier (higher cost structure)
- - Member decline: -7.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
229,597
-7.1% YoY-0.7% QoQ
|
-78.2K |
307,793
+7.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$6.4B
-1.9% YoY-1.2% QoQ
|
+$673.6M |
$5.8B
-0.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$5.2B
-6.7% YoY-1.1% QoQ
|
+$1.0B |
$4.2B
+0.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 10.8% in tier |
| Deposits |
$5.7B
+8.8% YoY+1.3% QoQ
|
+$824.6M |
$4.9B
+0.2% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 13.5% in tier |
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| ROA |
0.3%
-13.3% YoY-0.7% QoQ
|
-0.5% |
0.9%
+47.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.4% in tier |
| NIM |
2.5%
+1.8% YoY+0.6% QoQ
|
-0.7% |
3.2%
+9.8% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio |
78.6%
+2.7% YoY+0.6% QoQ
|
+12.0% |
66.6%
-11.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
0.4%
+5.2% YoY-0.3% QoQ
|
-0.3 |
0.7%
+23.3% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
90.7%
-14.2% YoY-2.4% QoQ
|
+6.0% |
84.7%
-0.7% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$47,508
+8.5% YoY+0.8% QoQ
|
+$15K |
$32,237
-7.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 10.8% in tier |
| CD Concentration |
50.2%
+11.3% YoY-1.7% QoQ
|
+21.5% | 28.6% | 21.6% | 19.8% | Top 3.0% in tier |
| Indirect Auto % |
4.8%
-30.6% YoY-6.5% QoQ
|
-11.5% | 16.4% | 9.0% | 7.7% | 24% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)