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 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.9% YoY
- - Share Certificate Concentration (%): Bottom 3.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,736
-4.9% YoY-2.3% QoQ
|
+120 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$47.8M
+3.3% YoY-1.2% QoQ
|
+$17.7M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$23.1M
-11.6% YoY-2.4% QoQ
|
+$7.3M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$39.8M
+2.8% YoY-2.5% QoQ
|
+$14.1M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.7%
-27.7% YoY-16.4% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
2.7%
-5.8% YoY-0.8% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio |
77.5%
+8.0% YoY+5.4% QoQ
|
-5.1% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
1.0%
+500.1% YoY+108.0% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
58.0%
-14.0% YoY+0.0% QoQ
|
-2.6% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$22,964
+2.0% YoY-0.2% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Top 12.1% in tier |
| CD Concentration |
50.5%
+7.1% YoY+0.0% QoQ
|
+26.1% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 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)