BlastPoint's Credit Union Scorecard
BROWN-FORMAN EMPLOYEES
Charter #62482 · KY
BROWN-FORMAN EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.18% above tier average
- - Member decline: -4.5% YoY
- - Net Charge-Off Rate: Bottom 2.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,303
-4.5% YoY-1.7% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$14.3M
-4.9% YoY-4.0% QoQ
|
$-15.9M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$8.5M
-10.8% YoY-5.8% QoQ
|
$-6.8M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$11.4M
-6.1% YoY-4.7% QoQ
|
$-14.4M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
39% |
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| ROA |
0.3%
-52.5% YoY-55.7% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
4.3%
-4.3% YoY+0.5% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
71.6%
+9.6% YoY+9.5% QoQ
|
-19.1% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
1.7%
+33.8% YoY-6.1% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
74.6%
-5.0% YoY-1.1% QoQ
|
+16.1% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$15,237
-3.9% YoY-3.5% QoQ
|
+$353 |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
34.3%
-23.4% YoY-10.6% QoQ
|
+10.0% | 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)