BlastPoint's Credit Union Scorecard
BROWN-FORMAN EMPLOYEES
Charter #62482 · KY
BROWN-FORMAN EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.24% above tier average
- - Member decline: -4.5% YoY
- - Net Charge-Off Rate: Bottom 6.8% in tier
- - Share Certificate Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,326
-4.5% YoY-2.3% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$14.9M
+2.3% YoY-2.9% QoQ
|
$-15.3M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$9.0M
-10.7% YoY+1.8% QoQ
|
$-6.8M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$11.9M
+2.0% YoY-3.5% QoQ
|
$-13.8M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.7%
-55.8% YoY-5.6% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
4.2%
-12.7% YoY+1.0% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
65.3%
+16.2% YoY+1.6% QoQ
|
-17.2% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.8%
+13.0% YoY+34.8% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
75.5%
-12.5% YoY+5.5% QoQ
|
+14.9% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$15,794
+0.6% YoY+1.0% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
38.4%
-11.2% YoY-7.1% QoQ
|
+14.0% | 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)