BlastPoint's Credit Union Scorecard
BROWN-FORMAN EMPLOYEES
Charter #62482 · KY
BROWN-FORMAN EMPLOYEES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Delinquency rate 0.16% above tier average
- - Member decline: -5.6% YoY
- - Net Charge-Off Rate: Bottom 4.5% 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 -7.0% year over year ($11.4M in shares and deposits).
- Membership: 1,281 members, -5.6% vs a year ago.
- Delinquency rate 1.71%.
- Return on assets 0.53%.
- Efficiency ratio 69.14% vs a 88.77% peer average.
- Loan-to-share ratio 72.27% 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 |
1,281
-5.6% YoY-1.7% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$14.4M
-5.5% YoY+0.7% QoQ
|
$-15.9M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$8.3M
-9.2% YoY-2.7% QoQ
|
$-7.2M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$11.4M
-7.0% YoY+0.5% QoQ
|
$-14.4M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.5%
-27.4% YoY+64.2% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
4.2%
-0.5% YoY-0.5% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
69.1%
+7.9% YoY-3.4% QoQ
|
-19.6% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
1.7%
+87.6% YoY+1.5% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
72.3%
-2.4% YoY-3.2% QoQ
|
+13.4% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$15,368
-2.5% YoY+0.9% QoQ
|
+$405 |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
32.5%
-26.9% YoY-5.4% QoQ
|
+7.9% | 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)