BlastPoint's Credit Union Scorecard
WHITESVILLE COMMUNITY
Charter #62432 · KY
WHITESVILLE COMMUNITY demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,315
-1.9% YoY-3.4% QoQ
|
-310 |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$33.2M
+1.7% YoY-2.1% QoQ
|
+$3.3M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$12.4M
+5.6% YoY+3.4% QoQ
|
$-3.4M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$29.2M
+0.3% YoY-2.7% QoQ
|
+$3.7M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
1.6%
+79.8% YoY-2.2% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
81% |
| NIM |
4.0%
+25.1% YoY+3.3% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
65.4%
-14.4% YoY+2.6% QoQ
|
-16.0% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.7%
+661.0% YoY+1772.2% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
42.5%
+5.3% YoY+6.3% QoQ
|
-18.8% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$17,970
+3.8% YoY+2.5% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)