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 0.7% in tier
- + Total Members: Top 1.9% in tier
- + Total Deposits: Top 3.8% in tier
- + Total Assets: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 9.57% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 0.8% in tier
- - Share Certificate Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,271
+1.9% YoY+0.2% QoQ
|
+6.6K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
Top 1.9% in tier |
| Assets |
$88.0M
-2.6% YoY-3.2% QoQ
|
+$58.1M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
Top 4.5% in tier |
| Loans |
$68.3M
-4.7% YoY+0.2% QoQ
|
+$52.5M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 0.7% in tier |
| Deposits |
$77.4M
-3.2% YoY-3.5% QoQ
|
+$52.0M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 3.8% in tier |
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| ROA |
0.1%
+39.0% YoY-9.8% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
2.8%
-3.6% YoY+3.2% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio |
91.0%
+2.5% YoY-0.9% QoQ
|
+9.6% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.6%
+21.6% YoY+21.8% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
88.2%
-1.5% YoY+3.8% QoQ
|
+26.9% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Top 12.9% in tier |
| AMR |
$15,715
-5.7% YoY-2.0% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
61% |
| CD Concentration |
38.3%
-6.8% YoY-3.6% QoQ
|
+13.9% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
64.0%
-5.2% YoY-2.8% QoQ
|
+50.0% |
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)