BlastPoint's Credit Union Scorecard
WHITESVILLE COMMUNITY
Charter #62432 · KY
WHITESVILLE COMMUNITY has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 0.15% above tier average
- + Strong member growth: 17.5% YoY
- + Asset Growth Rate: Top 2.0% in tier
- + Loan Growth Rate: Top 2.4% in tier
- + Member Growth Rate: Top 2.5% in tier
- + Deposit Growth Rate: Top 3.7% in tier
- + Efficiency Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.27% above tier average
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 +14.8% year over year ($34.4M in shares and deposits).
- Membership: 2,815 members, +17.5% vs a year ago.
- Delinquency rate 1.82%.
- Return on assets 2.03%.
- Efficiency ratio 56.13% vs a 88.77% peer average.
- Loan-to-share ratio 43.26% 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 |
2,815
+17.5% YoY+0.2% QoQ
|
+229 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$39.5M
+16.5% YoY-1.1% QoQ
|
+$9.2M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$14.9M
+24.3% YoY+0.6% QoQ
|
$-560K |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$34.4M
+14.8% YoY-2.1% QoQ
|
+$8.6M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
2.0%
+27.9% YoY+131.3% QoQ
|
+0.5% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
Top 9.3% in tier |
| NIM |
4.1%
+5.4% YoY+0.9% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
56.1%
-12.0% YoY-30.5% QoQ
|
-32.6% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
1.8%
+524.4% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
43.3%
+8.3% YoY+2.8% QoQ
|
-15.6% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$17,528
+0.0% YoY-1.5% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
0.3%
-53.5% QoQ
|
-24.2% | 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)