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 7.7% in tier
- + Wallet Share Momentum: Top 17.7% in tier
- + Total Loans: Top 2.9% in tier
- + AMR Growth Rate: Top 5.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.8% in tier
- + Total Assets: Top 8.8% in tier
- + Total Deposits: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 4.3% in tier
- - Institutional Decline: Bottom 11.1% in tier
- - Stagnation Risk: Bottom 13.0% in tier
- - Liquidity Strain: Bottom 31.8% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 9.82% above tier (higher cost structure)
- - Member decline: -6.6% YoY
- - Member Growth Rate: Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 2.9% in tier
- - Loan Growth Rate: Bottom 2.9% in tier
- - Share Certificate Concentration (%): Bottom 5.9% in tier
- - Net Worth Ratio: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
235,136
-6.6% YoY-1.6% QoQ
|
-54.6K |
289,724
-2.8% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$6.5B
-3.4% YoY+1.2% QoQ
|
+$723.5M |
$5.8B
+0.2% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 11.8% in tier |
| Loans |
$5.4B
-6.5% YoY-1.8% QoQ
|
+$1.3B |
$4.1B
-3.1% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 5.9% in tier |
| Deposits |
$5.6B
+16.7% YoY+4.5% QoQ
|
+$738.8M |
$4.9B
+2.2% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 11.8% in tier |
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| ROA |
0.4%
-429.3% YoY+17.3% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.9% in tier |
| NIM |
2.5%
+8.1% YoY+0.4% QoQ
|
-0.4% |
2.9%
+3.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
77.9%
-11.1% YoY-1.3% QoQ
|
+9.8% |
68.1%
-1.7% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 14.7% in tier |
| Delinquency Rate |
0.4%
-0.2% YoY+20.9% QoQ
|
-0.2 |
0.6%
-2.2% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
95.3%
-19.8% YoY-6.0% QoQ
|
+11.6% |
83.6%
-5.7% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$46,728
+11.5% YoY+3.0% QoQ
|
+$12K |
$34,398
+4.0% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 14.7% in tier |
| CD Concentration |
50.5%
+26.3% YoY+6.1% QoQ
|
+21.6% |
28.9%
-1.3% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Top 3.1% in tier |
| Indirect Auto % |
5.7%
-32.0% YoY-10.1% QoQ
|
-10.9% |
16.6%
-10.3% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
25% |
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)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)