BlastPoint's Credit Union Scorecard
KEMBA LOUISVILLE
Charter #62358 · KY
KEMBA LOUISVILLE faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Delinquency rate 1.18% above tier average
- - Member decline: -2.9% YoY
- - Net Charge-Off Rate: Bottom 5.3% in tier
- - Loan-to-Share Ratio: Bottom 7.6% 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 -2.0% year over year ($46.3M in shares and deposits).
- Membership: 4,009 members, -2.9% vs a year ago.
- Delinquency rate 2.72%.
- Return on assets 0.60%.
- Efficiency ratio 78.30% vs a 88.77% peer average.
- Loan-to-share ratio 25.54% 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 |
4,009
-2.9% YoY0% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$59.3M
-0.5% YoY-1.5% QoQ
|
+$29.0M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$11.8M
-11.0% YoY-3.6% QoQ
|
$-3.6M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$46.3M
-2.0% YoY-2.9% QoQ
|
+$20.5M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
0.6%
+5.8% YoY-19.7% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
3.9%
+3.4% YoY+1.5% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
78.3%
+7.2% YoY+1.2% QoQ
|
-10.5% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
2.7%
+16.2% YoY+32.5% QoQ
|
+1.2 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
25.5%
-9.2% YoY-0.7% QoQ
|
-33.3% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.5% in tier |
| AMR |
$14,485
-1.1% YoY-3.0% QoQ
|
$-477 |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
17.4%
+8.4% YoY+0.3% QoQ
|
-7.1% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)