BlastPoint's Credit Union Scorecard

LOUISVILLE FEDERAL

Charter #62433 · KY

2556 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 0.04% below tier average
- Member decline: -4.3% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	2,206 -4.3% YoY-0.9% QoQ	-409	2,615 -1.9% YoY	18,352 +6.1% YoY	33,374 +5.7% YoY	55%
Assets	$32.9M +5.9% YoY+0.2% QoQ	+$2.8M	$30.1M +2.1% YoY	$297.6M +11.0% YoY	$561.6M +9.7% YoY	62%
Loans	$9.6M -11.3% YoY-7.2% QoQ	$-6.2M	$15.8M -1.3% YoY	$214.0M +12.0% YoY	$397.0M +8.8% YoY	50%
Deposits	$25.4M +7.3% YoY+0.2% QoQ	$-238K	$25.7M +1.4% YoY	$249.6M +10.9% YoY	$477.3M +9.7% YoY	59%

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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% +9.2% YoY-2.8% QoQ	-0.0%	0.6% +10.8% YoY	0.3% -193.7% YoY	0.7% +15.9% YoY	44%
NIM	2.8% +4.3% YoY-0.5% QoQ	-1.1%	4.0% +4.0% YoY	3.7% -0.4% YoY	3.8% +5.1% YoY	Bottom 14.8% in tier
Efficiency Ratio	76.3% -3.2% YoY+0.5% QoQ	-6.3%	82.6% -2.3% YoY	85.5% -17.8% YoY	79.7% -3.3% YoY	41%
Delinquency Rate	0.8% -53.7% YoY+0.9% QoQ	-0.8	1.6% -3.1% YoY	1.1% -5.8% YoY	1.3% -2.1% YoY	51%
Loan To Share	37.6% -17.3% YoY-7.4% QoQ	-23.0%	60.6% -3.1% YoY	65.9% -3.9% YoY	67.4% -1.7% YoY	17%
AMR	$15,872 +6.0% YoY-1.1% QoQ	+$1K	$14,783 -1.4% YoY	$17,204 +6.4% YoY	$19,687 +2.0% YoY	61%
CD Concentration	35.6% +24.7% YoY+3.3% QoQ	+11.2%	24.4%	22.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.7%	7.8%	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 2556 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

401

Net Worth Ratio

risk

Value: 22.36%

Peer Median: -

#401 of 2556 Top 15.6% in <100M tier

408

Deposit Growth Rate

growth

Value: 7.30%

Peer Median: -

#408 of 2556 Top 15.9% in <100M tier

570

AMR Growth Rate

growth

Value: 6.01%

Peer Median: -

#570 of 2556 Top 22.3% in <100M tier

576

Asset Growth Rate

growth

Value: 5.86%

Peer Median: -

#576 of 2556 Top 22.5% in <100M tier

Top Weaknesses (6 metrics)

2266

Share Certificate Concentration (%)

balance_sheet

Value: 35.59%

Peer Median: -

#2266 of 2556 Bottom 11.4% in <100M tier

2178

Net Interest Margin (NIM)

profitability

Value: 2.83%

Peer Median: -

#2178 of 2556 Bottom 14.8% in <100M tier

2122

Loan-to-Share Ratio

balance_sheet

Value: 37.58%

Peer Median: -

#2122 of 2556 Bottom 17.0% in <100M tier

2111

Loan Growth Rate

growth

Value: -11.27%

Peer Median: -

#2111 of 2556 Bottom 17.4% in <100M tier

2043

First Mortgage Concentration (%)

balance_sheet

Value: 30.50%

Peer Median: -

#2043 of 2556 Bottom 20.1% in <100M tier

2014

Member Growth Rate

growth

Value: -4.25%

Peer Median: -

#2014 of 2556 Bottom 21.2% in <100M tier