BlastPoint's Credit Union Scorecard

LOUISVILLE FEDERAL

Charter #62433 · KY

2596 CUs in <100M nationally 37 in KY

LOUISVILLE FEDERAL has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.08% below tier average
- Member decline: -3.8% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	2,226 -3.8% YoY-1.4% QoQ	-399	2,625 -2.2% YoY	18,350 +6.5% YoY	33,089 +6.1% YoY	56%
Assets	$32.8M +5.9% YoY+2.1% QoQ	+$3.0M	$29.9M +1.1% YoY	$291.9M +10.4% YoY	$547.7M +7.8% YoY	63%
Loans	$10.3M -6.7% YoY-0.8% QoQ	$-5.5M	$15.8M -2.4% YoY	$208.5M +10.3% YoY	$388.7M +8.6% YoY	52%
Deposits	$25.4M +7.3% YoY+2.7% QoQ	$-49K	$25.5M +0.4% YoY	$245.3M +10.3% YoY	$464.6M +9.3% YoY	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +15.1% YoY-11.5% QoQ	-0.1%	0.7% -731.4% YoY	0.2% -216.5% YoY	0.7% +273.4% YoY	42%
NIM	2.9% +7.2% YoY-2.2% QoQ	-1.1%	3.9% +3.8% YoY	3.6% +4.6% YoY	3.7% +5.0% YoY	Bottom 14.0% in tier
Efficiency Ratio	75.9% -4.5% YoY+1.6% QoQ	-5.5%	81.4% -2.4% YoY	85.0% -21.4% YoY	79.1% -3.3% YoY	44%
Delinquency Rate	0.8% -54.5% YoY-3.2% QoQ	-0.8	1.5% -2.0% YoY	0.8% -26.3% YoY	1.2% -0.9% YoY	54%
Loan To Share	40.6% -13.0% YoY-3.3% QoQ	-20.7%	61.2% -3.0% YoY	65.5% -4.4% YoY	68.0% -1.7% YoY	20%
AMR	$16,044 +6.9% YoY+3.1% QoQ	+$1K	$14,627 -2.7% YoY	$16,917 +3.2% YoY	$19,418 +1.3% YoY	63%
CD Concentration	34.5% +28.2% YoY+10.6% QoQ	+10.0%	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)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

402

Deposit Growth Rate

growth

Value: 7.32%

Peer Avg: -

#402 of 2596 Top 15.4% in <100M tier

413

Net Worth Ratio

risk

Value: 22.29%

Peer Avg: -

#413 of 2596 Top 15.9% in <100M tier

461

AMR Growth Rate

growth

Value: 6.89%

Peer Avg: -

#461 of 2596 Top 17.7% in <100M tier

547

Asset Growth Rate

growth

Value: 5.92%

Peer Avg: -

#547 of 2596 Top 21.0% in <100M tier

Top Weaknesses (4 metrics)

2278

Share Certificate Concentration (%)

balance_sheet

Value: 34.46%

Peer Avg: -

#2278 of 2596 Bottom 12.3% in <100M tier

2232

Net Interest Margin (NIM)

profitability

Value: 2.85%

Peer Avg: -

#2232 of 2596 Bottom 14.1% in <100M tier

2133

First Mortgage Concentration (%)

balance_sheet

Value: 32.92%

Peer Avg: -

#2133 of 2596 Bottom 17.9% in <100M tier

2080

Loan-to-Share Ratio

balance_sheet

Value: 40.58%

Peer Avg: -

#2080 of 2596 Bottom 19.9% in <100M tier