BlastPoint's Credit Union Scorecard
LOUISVILLE FEDERAL
Charter #62433 · KY
LOUISVILLE FEDERAL has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 1.6% in tier
- + Asset Growth Rate: Top 2.3% in tier
- + AMR Growth Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Member decline: -3.3% YoY
- - Share Certificate Concentration (%): Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 8.0% in tier
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 +19.8% year over year ($29.6M in shares and deposits).
- Membership: 2,183 members, -3.3% vs a year ago.
- Delinquency rate 0.84%.
- Return on assets 0.55%.
- Efficiency ratio 78.90% vs a 88.77% peer average.
- Loan-to-share ratio 33.24% 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 |
2,183
-3.3% YoY-0.0% QoQ
|
-402 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$37.2M
+15.6% YoY+6.7% QoQ
|
+$6.9M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$9.9M
-5.1% YoY+0.9% QoQ
|
$-5.6M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$29.6M
+19.8% YoY+8.2% QoQ
|
+$3.8M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
0.5%
-19.2% YoY+31.0% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
2.6%
-11.5% YoY-1.4% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio |
78.9%
+5.6% YoY-4.6% QoQ
|
-9.9% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.8%
+7.8% YoY-24.4% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
33.2%
-20.8% YoY-6.8% QoQ
|
-25.6% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.6% in tier |
| AMR |
$18,093
+16.2% YoY+6.3% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
45.5%
+46.0% YoY+13.7% QoQ
|
+20.9% | 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)