BlastPoint's Credit Union Scorecard
KINECTA
Charter #4142 · CA
KINECTA has 7 strengths but faces 12 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 14.3% in tier
- + Wallet Share Momentum: Top 26.3% in tier
- + Total Deposits: Top 2.9% in tier
- + AMR Growth Rate: Top 5.7% in tier
- + Total Assets: Top 5.7% in tier
- + Total Loans: Top 5.7% in tier
- + Loan-to-Member Ratio (LMR): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 12.5% in tier
- - Membership Headwinds: Bottom 37.5% in tier
- - Institutional Decline: Bottom 60.0% in tier
- - Liquidity Strain: Bottom 100.0% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 10.84% above tier (higher cost structure)
- - Member decline: -7.8% YoY
- - Member Growth Rate: Bottom 5.7% in tier
- - Asset Growth Rate: Bottom 5.7% in tier
- - Loan Growth Rate: Bottom 5.7% in tier
- - Share Certificate Concentration (%): Bottom 5.7% in tier
- - Net Worth Ratio: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
231,113
-7.8% YoY-1.7% QoQ
|
-61.2K |
292,342
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$6.5B
-2.0% YoY+0.1% QoQ
|
+$777.3M |
$5.7B
-0.2% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 8.6% in tier |
| Loans |
$5.2B
-7.0% YoY-2.2% QoQ
|
+$1.1B |
$4.2B
-1.6% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 8.6% in tier |
| Deposits |
$5.6B
+12.7% YoY+0.3% QoQ
|
+$797.8M |
$4.8B
+0.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 5.7% in tier |
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| ROA |
0.3%
+167.8% YoY-6.5% QoQ
|
-0.5% |
0.8%
+27.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.9% in tier |
| NIM |
2.5%
+5.8% YoY-1.1% QoQ
|
-0.6% |
3.0%
+8.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
78.1%
-4.8% YoY+0.2% QoQ
|
+10.8% |
67.3%
-3.7% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
0.4%
-14.4% YoY-5.5% QoQ
|
-0.4 |
0.8%
+17.5% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
92.9%
-17.5% YoY-2.5% QoQ
|
+7.0% |
85.9%
-2.6% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$47,115
+10.9% YoY+0.8% QoQ
|
+$13K |
$34,289
+3.5% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 14.3% in tier |
| CD Concentration |
51.0%
+18.3% YoY+1.0% QoQ
|
+21.9% | 29.1% | 21.7% | 19.8% | Top 3.0% in tier |
| Indirect Auto % |
5.2%
-32.4% YoY-8.9% QoQ
|
-11.9% | 17.1% | 9.2% | 7.8% | 22% |
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 (4)
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)