BlastPoint's Credit Union Scorecard
RURAL COOPERATIVES
Charter #61693 · KY
RURAL COOPERATIVES has 1 strength but faces 4 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 1.69% below tier average
- - Efficiency ratio 31.40% above tier (higher cost structure)
- - Member decline: -6.6% YoY
- - Loan Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,094
-6.6% YoY-2.6% QoQ
|
+478 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$33.7M
-2.1% YoY-1.2% QoQ
|
+$3.6M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$10.1M
-16.2% YoY-5.7% QoQ
|
$-5.7M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$29.2M
-2.4% YoY-0.9% QoQ
|
+$3.5M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
-1.1%
+1031.7% YoY-561.3% QoQ
|
-1.7% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.6% in tier |
| NIM |
3.8%
+18.2% YoY+2.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
114.0%
+13.5% YoY+20.4% QoQ
|
+31.4% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Top 5.3% in tier |
| Delinquency Rate |
0.3%
-38.4% YoY-58.1% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
34.5%
-14.1% YoY-4.8% QoQ
|
-26.1% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.0% in tier |
| AMR |
$12,687
+0.2% YoY+0.4% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
11.2%
-23.5% YoY-6.6% QoQ
|
-13.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 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)