BlastPoint's Credit Union Scorecard
KEMBA LOUISVILLE
Charter #62358 · KY
KEMBA LOUISVILLE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Delinquency rate 1.13% above tier average
- - Member decline: -4.3% YoY
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,034
-4.3% YoY-1.4% QoQ
|
+1.4K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$59.0M
+1.2% YoY+0.6% QoQ
|
+$28.8M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$12.4M
-9.3% YoY-4.3% QoQ
|
$-3.3M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$46.5M
+1.2% YoY+0.9% QoQ
|
+$20.8M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.6%
+61.6% YoY+4.2% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.9%
+9.3% YoY+1.1% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
74.9%
+0.4% YoY+2.4% QoQ
|
-7.7% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
2.7%
-2.2% YoY+4.3% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
26.8%
-10.4% YoY-5.2% QoQ
|
-33.9% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.6% in tier |
| AMR |
$14,620
+3.3% YoY+1.2% QoQ
|
$-163 |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
17.9%
+1.9% YoY+2.0% QoQ
|
-6.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)