BlastPoint's Credit Union Scorecard

KEMBA LOUISVILLE

Charter #62358 · KY

<100M

2508 CUs in <100M nationally 35 in KY

KEMBA LOUISVILLE has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.60% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.55% above tier average
- Member decline: -4.3% YoY
- Net Charge-Off Rate: Bottom 7.1% in tier
- Loan-to-Share Ratio: Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	4,009 -4.3% YoY-0.6% QoQ	+1.3K	2,676 +1.6% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	79%
Assets	$60.2M +1.8% YoY+2.1% QoQ	+$30.0M	$30.2M +1.3% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	83%
Loans	$12.2M -8.0% YoY-1.6% QoQ	$-3.0M	$15.3M -2.0% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	57%
Deposits	$47.6M +1.7% YoY+2.4% QoQ	+$21.9M	$25.8M +0.7% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +50.3% YoY+21.4% QoQ	+0.6%	0.1% -77.6% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	57%
NIM	3.8% +3.9% YoY-2.0% QoQ	-0.2%	4.0% +4.0% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	77.3% +5.7% YoY+3.3% QoQ	-13.3%	90.6% +6.5% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	2.1% +1.7% YoY-23.3% QoQ	+0.6	1.5% +3.8% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	82%
Loan To Share	25.7% -9.6% YoY-3.9% QoQ	-32.8%	58.5% -3.0% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	Bottom 7.8% in tier
AMR	$14,940 +4.0% YoY+2.2% QoQ	+$56	$14,884 -1.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	55%
CD Concentration	17.4% +3.8% YoY-2.8% QoQ	-6.9%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

429

Total Assets

balance_sheet

Value: $60.22M

Peer Median: $21.86M

#429 of 2508 Top 17.1% in <100M tier

493

Total Deposits

balance_sheet

Value: $47.65M

Peer Median: $18.77M

#493 of 2508 Top 19.6% in <100M tier

518

Total Members

engagement

Value: 4,009

Peer Median: 1,918

#518 of 2508 Top 20.6% in <100M tier

526

Net Worth Ratio

risk

Value: 20.38%

Peer Median: 14.28%

#526 of 2508 Top 20.9% in <100M tier

Top Weaknesses (4 metrics)

2331

Net Charge-Off Rate

risk

Value: 1.85%

Peer Median: 0.07%

#2331 of 2508 Bottom 7.1% in <100M tier

2311

Loan-to-Share Ratio

balance_sheet

Value: 25.71%

Peer Median: 58.72%

#2311 of 2508 Bottom 7.9% in <100M tier

2050

Total Delinquency Rate (60+ days)

risk

Value: 2.06%

Peer Median: 0.65%

#2050 of 2508 Bottom 18.3% in <100M tier

1976

Member Growth Rate

growth

Value: -4.25%

Peer Median: -1.37%

#1976 of 2508 Bottom 21.3% in <100M tier