BlastPoint's Credit Union Scorecard
GREATER KENTUCKY CU, INC.
Charter #62228 · KY
GREATER KENTUCKY CU, INC. has 4 strengths but faces 4 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 4.9% in tier
- + Total Assets: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 7.61% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,295
+1.4% YoY+0.3% QoQ
|
+6.6K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
Top 1.7% in tier |
| Assets |
$85.5M
-5.1% YoY+3.9% QoQ
|
+$55.4M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
Top 5.4% in tier |
| Loans |
$62.9M
-7.9% YoY-4.9% QoQ
|
+$47.6M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
Top 0.9% in tier |
| Deposits |
$75.0M
-5.9% YoY+4.5% QoQ
|
+$49.2M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
Top 4.9% in tier |
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| ROA |
0.0%
-83.5% YoY-83.6% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
3.0%
+12.4% YoY-0.6% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
98.2%
+3.5% YoY+7.0% QoQ
|
+7.6% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
0.7%
+32.1% YoY-29.4% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
50% |
| Loan To Share |
83.8%
-2.1% YoY-9.0% QoQ
|
+25.3% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
Top 14.3% in tier |
| AMR |
$14,833
-8.1% YoY-0.3% QoQ
|
$-51 |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
35.7%
-9.0% YoY-2.7% QoQ
|
+11.4% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
62.0%
-6.7% YoY+1.0% QoQ
|
+48.2% | 13.8% | 7.7% | 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)