BlastPoint's Credit Union Scorecard
KIEF PROTECTIVE MUTUAL BENEFIT ASS.
Charter #61265 · CT
2556 CUs in <100M nationally
43 in CT
KIEF PROTECTIVE MUTUAL BENEFIT ASS. has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.29% below tier average
- - Efficiency ratio 33.71% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Total Members: Bottom 1.7% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Assets: Bottom 4.0% in tier
- - Total Deposits: Bottom 4.3% in tier
- - Total Loans: Bottom 5.2% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
109
-4.4% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 1.6% in tier |
| Assets |
$697,721
+3.5% YoY+1.8% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.0% in tier |
| Loans |
$315,687
-3.8% YoY+0.1% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.2% in tier |
| Deposits |
$557,089
+5.3% YoY+2.4% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.7%
-68.4% YoY-2.2% QoQ
|
-1.3% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.5% in tier |
| NIM |
4.1%
-10.6% YoY-0.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
116.3%
+20.7% YoY-0.3% QoQ
|
+33.7% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Top 4.7% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
56.7%
-8.6% YoY-2.3% QoQ
|
-3.9% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$8,007
+6.5% YoY+1.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
521
AMR Growth Rate
growth
Value:
6.47%
Peer Median: -
#521 of 2556
Top 20.3% in <100M tier
589
Net Worth Ratio
risk
Value:
19.77%
Peer Median: -
#589 of 2556
Top 23.0% in <100M tier
631
Deposit Growth Rate
growth
Value:
5.26%
Peer Median: -
#631 of 2556
Top 24.6% in <100M tier
Top Weaknesses (11 metrics)
2514
Total Members
engagement
Value:
109
Peer Median: -
#2514 of 2556
Bottom 1.7% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2454
Total Assets
balance_sheet
Value:
$697,721
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2447
Total Deposits
balance_sheet
Value:
$557,089
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2436
Efficiency Ratio
profitability
Value:
116.27%
Peer Median: -
#2436 of 2556
Bottom 4.7% in <100M tier
2423
Total Loans
balance_sheet
Value:
$315,687
Peer Median: -
#2423 of 2556
Bottom 5.2% in <100M tier
2387
Members Per Employee (MPE)
engagement
Value:
109.000
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2364
Return on Assets (ROA)
profitability
Value:
-0.67%
Peer Median: -
#2364 of 2556
Bottom 7.6% in <100M tier
2067
Average Member Relationship (AMR)
engagement
Value:
$8,007
Peer Median: -
#2067 of 2556
Bottom 19.2% in <100M tier
2046
Member Growth Rate
growth
Value:
-4.39%
Peer Median: -
#2046 of 2556
Bottom 20.0% in <100M tier