BlastPoint's Credit Union Scorecard
LOUISVILLE FEDERAL
Charter #62433 · KY
LOUISVILLE FEDERAL has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Deposit Growth Rate: Top 5.9% in tier
- + Asset Growth Rate: Top 7.7% in tier
- + AMR Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.1% YoY
- - Share Certificate Concentration (%): Bottom 7.7% in tier
- - Net Interest Margin (NIM): Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,184
-4.1% YoY-1.0% QoQ
|
-492 |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$34.9M
+9.8% YoY+5.9% QoQ
|
+$4.7M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$9.8M
-7.3% YoY+2.1% QoQ
|
$-5.5M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$27.4M
+12.2% YoY+7.7% QoQ
|
+$1.6M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
61% |
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| ROA |
0.4%
-44.3% YoY-28.3% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
2.6%
-10.4% YoY-7.7% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
82.7%
+8.6% YoY+8.4% QoQ
|
-7.9% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
1.1%
+14.2% YoY+46.1% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
35.7%
-17.3% YoY-5.1% QoQ
|
-22.8% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$17,018
+10.9% YoY+7.2% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
40.0%
+40.1% YoY+12.4% QoQ
|
+15.7% | 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)