BlastPoint's Credit Union Scorecard
GREATER KENTUCKY CU, INC.
Charter #62228 · KY
GREATER KENTUCKY CU, INC. has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.9% in tier
- + Total Members: Top 1.6% in tier
- + Total Deposits: Top 4.6% in tier
- + Total Assets: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.32% below tier average
- - Efficiency ratio 4.22% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 0.8% 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 34 that size in Kentucky.
- Shares and deposits -5.5% year over year ($75.8M in shares and deposits).
- Membership: 9,342 members, +1.0% vs a year ago.
- Delinquency rate 0.76%.
- Return on assets 0.18%.
- Efficiency ratio 92.99% vs a 88.77% peer average.
- Loan-to-share ratio 84.94% 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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,342
+1.0% YoY+0.5% QoQ
|
+6.8K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Top 1.6% in tier |
| Assets |
$86.5M
-4.8% YoY+1.1% QoQ
|
+$56.2M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Top 5.0% in tier |
| Loans |
$64.4M
-5.5% YoY+2.4% QoQ
|
+$48.9M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Top 0.9% in tier |
| Deposits |
$75.8M
-5.5% YoY+1.0% QoQ
|
+$50.0M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 4.6% in tier |
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| ROA |
0.2%
+17.4% YoY
|
-1.3% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.1% in tier |
| NIM |
3.0%
+9.7% YoY+0.4% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
93.0%
+1.3% YoY-5.3% QoQ
|
+4.2% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
0.8%
+58.7% YoY+16.1% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
84.9%
+0.0% YoY+1.4% QoQ
|
+26.1% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
Top 14.2% in tier |
| AMR |
$15,006
-6.4% YoY+1.2% QoQ
|
+$43 |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
36.0%
-9.3% YoY+1.0% QoQ
|
+11.5% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
59.0%
-10.3% YoY-4.8% QoQ
|
+45.4% | 13.6% | 7.6% | 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)