BlastPoint's Credit Union Scorecard
LOUISVILLE GAS AND ELECTRIC COMPANY
Charter #61123 · KY
LOUISVILLE GAS AND ELECTRIC COMPANY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.7% YoY
- - Share Certificate Concentration (%): Bottom 3.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,799
-3.7% YoY-0.6% QoQ
|
+173 |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$48.4M
+5.8% YoY+1.8% QoQ
|
+$18.6M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$23.6M
-11.4% YoY-4.1% QoQ
|
+$7.9M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$40.8M
+5.9% YoY+1.9% QoQ
|
+$15.3M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.8%
-19.6% YoY-9.1% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
51% |
| NIM |
2.7%
-5.4% YoY-1.4% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio |
73.5%
+5.1% YoY+2.8% QoQ
|
-7.9% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.5%
+163.3% YoY+32.3% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
58.0%
-16.4% YoY-5.9% QoQ
|
-3.3% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$23,012
+2.6% YoY+0.2% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 11.9% in tier |
| CD Concentration |
50.5%
+12.2% YoY+6.3% QoQ
|
+26.1% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)