BlastPoint's Credit Union Scorecard
RURAL COOPERATIVES
Charter #61693 · KY
RURAL COOPERATIVES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 13.22% above tier (higher cost structure)
- - Member decline: -5.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,176
-5.4% YoY-0.9% QoQ
|
+550 |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$34.1M
-0.2% YoY-0.2% QoQ
|
+$4.3M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$10.7M
-15.4% YoY-2.0% QoQ
|
$-5.1M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$29.4M
-0.6% YoY-0.6% QoQ
|
+$4.0M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
0.2%
-251.9% YoY-11.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.7%
+19.1% YoY+3.5% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
94.6%
-6.8% YoY+1.1% QoQ
|
+13.2% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.6%
+257.7% YoY+47.6% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
36.3%
-14.9% YoY-1.4% QoQ
|
-25.0% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
15% |
| AMR |
$12,631
+0.4% YoY-0.1% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
12.0%
-23.9% YoY+0.9% QoQ
|
-12.4% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)