BlastPoint's Credit Union Scorecard
WHITESVILLE COMMUNITY
Charter #62432 · KY
WHITESVILLE COMMUNITY shows strong momentum with 6 strengths and 17.6% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Strong member growth: 17.6% YoY
- + Asset Growth Rate: Top 1.8% in tier
- + Member Growth Rate: Top 1.9% in tier
- + Deposit Growth Rate: Top 2.2% in tier
- + Loan Growth Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,810
+17.6% YoY+21.3% QoQ
|
+133 |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$39.9M
+18.5% YoY+19.1% QoQ
|
+$9.7M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$14.8M
+23.7% YoY+18.0% QoQ
|
$-476K |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$35.2M
+17.6% YoY+19.9% QoQ
|
+$9.4M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
0.9%
-35.8% YoY-43.0% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
4.0%
+6.2% YoY-1.7% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
80.7%
+19.2% YoY+21.3% QoQ
|
-9.9% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.3%
+52.8% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
42.1%
+5.2% YoY-1.6% QoQ
|
-16.4% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$17,793
+1.4% YoY-1.6% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration | 0.7% | -23.5% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)