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 0.21% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 38.68% above tier (higher cost structure)
- - Member decline: -6.2% YoY
- - Total Members: Bottom 1.6% in tier
- - Asset Growth Rate: Bottom 3.5% in tier
- - Total Assets: Bottom 3.6% in tier
- - Deposit Growth Rate: Bottom 3.7% in tier
- - Total Deposits: Bottom 3.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
105
-6.2% YoY-3.7% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
Bottom 1.4% in tier |
| Assets |
$603,018
-11.4% YoY-13.6% QoQ
|
$-29.6M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.5% in tier |
| Loans |
$259,345
-15.3% YoY-17.8% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.9% in tier |
| Deposits |
$464,995
-13.3% YoY-16.5% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.7% in tier |
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| ROA |
-1.2%
-4.0% YoY+84.5% QoQ
|
-1.4% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.2% in tier |
| NIM |
4.2%
+2.6% YoY+2.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
129.3%
-1.5% YoY+11.2% QoQ
|
+38.7% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
55.8%
-2.3% YoY-1.6% QoQ
|
-2.7% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$6,898
-8.3% YoY-13.8% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 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)