BlastPoint's Credit Union Scorecard
WHITESVILLE COMMUNITY
Charter #62432 · KY
WHITESVILLE COMMUNITY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Net Interest Margin 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,316
-2.4% YoY+0.0% QoQ
|
-299 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$33.5M
+1.1% YoY+0.9% QoQ
|
+$3.3M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$12.5M
+6.1% YoY+1.2% QoQ
|
$-3.2M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$29.4M
-0.4% YoY+0.5% QoQ
|
+$3.7M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
1.5%
+52.6% YoY-0.8% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
4.1%
+22.2% YoY+2.9% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
66.6%
-9.8% YoY+1.8% QoQ
|
-16.0% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.2%
+142.8% YoY-71.0% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
42.7%
+6.5% YoY+0.7% QoQ
|
-17.9% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$18,090
+4.0% YoY+0.7% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration | 0.0% | -24.4% | 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)