BlastPoint's Credit Union Scorecard
KIEF PROTECTIVE MUTUAL BENEFIT ASS.
Charter #61265 · CT
2596 CUs in <100M nationally
45 in CT
KIEF PROTECTIVE MUTUAL BENEFIT ASS. has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.37% below tier average
- - Efficiency ratio 35.21% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Total Members: Bottom 1.7% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Assets: Bottom 4.3% in tier
- - Total Deposits: Bottom 4.5% in tier
- - Total Loans: Bottom 5.4% in tier
- - Members Per Employee (MPE): Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 8.9% in tier
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
109
-4.4% YoY-0.9% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 1.6% in tier |
| Assets |
$685,687
-7.3% YoY+0.0% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.2% in tier |
| Loans |
$315,469
-6.8% YoY-11.6% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.4% in tier |
| Deposits |
$544,135
-8.3% YoY+0.2% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.4% in tier |
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| ROA |
-0.7%
-70.2% YoY-15.1% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.4% in tier |
| NIM |
4.1%
-5.6% YoY-0.9% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
116.6%
+30.1% YoY-2.3% QoQ
|
+35.2% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 4.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
58.0%
+1.6% YoY-11.8% QoQ
|
-3.3% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$7,886
-3.5% YoY-3.6% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
551
Net Worth Ratio
risk
Value:
20.28%
Peer Avg: -
#551 of 2596
Top 21.2% in <100M tier
Top Weaknesses (14 metrics)
2553
Total Members
engagement
Value:
109
Peer Avg: -
#2553 of 2596
Bottom 1.7% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2486
Total Assets
balance_sheet
Value:
$685,687
Peer Avg: -
#2486 of 2596
Bottom 4.3% in <100M tier
2481
Total Deposits
balance_sheet
Value:
$544,135
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2474
Efficiency Ratio
profitability
Value:
116.61%
Peer Avg: -
#2474 of 2596
Bottom 4.7% in <100M tier
2456
Total Loans
balance_sheet
Value:
$315,469
Peer Avg: -
#2456 of 2596
Bottom 5.4% in <100M tier
2425
Members Per Employee (MPE)
engagement
Value:
109.000
Peer Avg: -
#2425 of 2596
Bottom 6.6% in <100M tier
2405
Return on Assets (ROA)
profitability
Value:
-0.68%
Peer Avg: -
#2405 of 2596
Bottom 7.4% in <100M tier
2366
Asset Growth Rate
growth
Value:
-7.28%
Peer Avg: -
#2366 of 2596
Bottom 8.9% in <100M tier
2345
Deposit Growth Rate
growth
Value:
-8.28%
Peer Avg: -
#2345 of 2596
Bottom 9.7% in <100M tier