BlastPoint's Credit Union Scorecard
GREATER KENTUCKY CU, INC.
Charter #62228 · KY
GREATER KENTUCKY CU, INC. has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.8% in tier
- + Total Members: Top 1.9% in tier
- + Total Deposits: Top 6.2% in tier
- + Total Assets: Top 6.8% in tier
- + Loan-to-Share Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 9.28% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 6.8% in tier
- - AMR Growth Rate: Bottom 7.4% in tier
- - Deposit Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,263
+1.4% YoY-0.1% QoQ
|
+6.6K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 2.0% in tier |
| Assets |
$82.3M
-8.4% YoY-6.4% QoQ
|
+$52.2M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Top 6.8% in tier |
| Loans |
$66.1M
-5.8% YoY-3.2% QoQ
|
+$50.3M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 0.9% in tier |
| Deposits |
$71.8M
-9.6% YoY-7.3% QoQ
|
+$46.1M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 6.3% in tier |
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| ROA |
0.2%
+111.7% YoY+17.3% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
3.0%
+0.4% YoY+6.4% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
91.8%
+4.0% YoY+1.0% QoQ
|
+9.3% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.9%
+32.1% YoY+59.1% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
92.1%
+4.3% YoY+4.4% QoQ
|
+31.4% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
Top 8.5% in tier |
| AMR |
$14,884
-9.1% YoY-5.3% QoQ
|
+$101 |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
36.7%
-9.0% YoY-4.2% QoQ
|
+12.3% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
61.4%
-9.0% YoY-4.1% QoQ
|
+47.6% | 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)