BlastPoint's Credit Union Scorecard
KIEF PROTECTIVE MUTUAL BENEFIT ASS.
Charter #61265 · CT
KIEF PROTECTIVE MUTUAL BENEFIT ASS. has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 40.20% above tier (higher cost structure)
- - Member decline: -4.5% YoY
- - Loan Growth Rate: Bottom 1.2% in tier
- - Total Members: Bottom 1.4% in tier
- - AMR Growth Rate: Bottom 2.1% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Total Assets: Bottom 3.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
- Shares and deposits -13.7% year over year ($469K in shares and deposits).
- Membership: 105 members, -4.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.15%.
- Efficiency ratio 128.97% vs a 88.77% peer average.
- Loan-to-share ratio 46.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
105
-4.5% YoY0% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 1.4% in tier |
| Assets |
$605,426
-11.7% YoY+0.4% QoQ
|
$-29.7M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.3% in tier |
| Loans |
$215,753
-39.6% YoY-16.8% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.4% in tier |
| Deposits |
$468,858
-13.7% YoY+0.8% QoQ
|
$-25.3M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.6% in tier |
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| ROA |
1.1%
-242.2% YoY-192.9% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
4.0%
-4.8% YoY-6.0% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
129.0%
+8.0% YoY-0.3% QoQ
|
+40.2% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
46.0%
-30.0% YoY-17.5% QoQ
|
-12.9% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$6,520
-20.3% YoY-5.5% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.0% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)