BlastPoint's Credit Union Scorecard

SERVICE ONE

Charter #62484 · KY

100M-500M

1024 CUs in 100M-500M nationally 10 in KY

SERVICE ONE has 2 strengths but faces 8 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.46% below tier average
- Efficiency ratio 10.77% above tier (higher cost structure)
- Delinquency rate 0.51% above tier average
- AMR Growth Rate: Bottom 4.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kentucky.
Shares and deposits +1.0% year over year ($243M in shares and deposits).
Membership: 18,008 members, +3.7% vs a year ago.
Delinquency rate 1.40%.
Return on assets 0.41%.
Efficiency ratio 87.50% vs a 76.73% peer average.
Loan-to-share ratio 83.52% vs a 71.54% 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	18,008 +3.7% YoY+1.9% QoQ	+2.8K	15,168 -2.6% YoY	19,704 +8.5% YoY	34,678 +6.6% YoY	70%
Assets	$269.1M -0.4% YoY-0.6% QoQ	+$37.1M	$232.0M +0.7% YoY	$329.2M +13.7% YoY	$593.1M +10.2% YoY	68%
Loans	$202.9M -4.6% YoY+0.1% QoQ	+$56.6M	$146.3M +0.2% YoY	$234.8M +15.2% YoY	$418.6M +10.1% YoY	76%
Deposits	$242.9M +1.0% YoY-0.9% QoQ	+$42.2M	$200.7M +0.2% YoY	$276.9M +13.5% YoY	$504.8M +10.3% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% +38.9% YoY-1.1% QoQ	-0.5%	0.9% +12.5% YoY	1.2% +141.8% YoY	1.2% +121.4% YoY	21%
NIM	3.6% +3.9% YoY+2.3% QoQ	-0.1%	3.7% +4.5% YoY	3.7% +2.3% YoY	3.8% +2.3% YoY	45%
Efficiency Ratio	87.5% -3.8% YoY-2.8% QoQ	+10.8%	76.7% -0.8% YoY	83.2% +1.5% YoY	83.0% -5.3% YoY	83%
Delinquency Rate	1.4% +7.7% YoY+65.4% QoQ	+0.5	0.9% +6.6% YoY	1.1% +18.9% YoY	1.3% +2.6% YoY	83%
Loan To Share	83.5% -5.6% YoY+1.0% QoQ	+12.0%	71.5% -0.3% YoY	64.3% -0.2% YoY	66.4% -1.4% YoY	72%
AMR	$24,755 -5.1% YoY-2.3% QoQ	$-352	$25,107 +3.2% YoY	$17,761 +5.3% YoY	$20,028 -0.9% YoY	59%
CD Concentration	31.6% -3.7% YoY-0.8% QoQ	+7.1%	24.6%	23.1%	20.0%	50%
Indirect Auto %	0.7% -57.2% YoY-23.4% QoQ	-12.9%	13.6%	7.6%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#111 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.68%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.68%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#235 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.68%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.41%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.68%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (4)

Shrinking Wallet Share

decline

#51 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.12%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Efficiency Drag

risk

#188 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.50%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.11% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 3.68%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Flatlined Growth

risk

#27 of 42 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.44%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.41%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | Rank improving

Credit Quality Pressure

risk

#480 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (2 metrics)

150

Member Growth Rate

growth

Value: 3.68%

Peer Median: -0.03%

#150 of 1024 Top 14.6% in 100M-500M tier

247

Total Loans

balance_sheet

Value: $202.87M

Peer Median: $124.04M

#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (9 metrics)

982

AMR Growth Rate

growth

Value: -5.12%

Peer Median: 3.53%

#982 of 1024 Bottom 4.2% in 100M-500M tier

909

Loan Growth Rate

growth

Value: -4.61%

Peer Median: 3.02%

#909 of 1024 Bottom 11.3% in 100M-500M tier

871

Asset Growth Rate

growth

Value: -0.44%

Peer Median: 4.12%

#871 of 1024 Bottom 15.0% in 100M-500M tier

854

Total Delinquency Rate (60+ days)

risk

Value: 1.40%

Peer Median: 0.71%

#854 of 1024 Bottom 16.7% in 100M-500M tier

848

Efficiency Ratio

profitability

Value: 87.50%

Peer Median: 77.26%

#848 of 1024 Bottom 17.3% in 100M-500M tier

833

Members Per Employee (MPE)

engagement

Value: 246.685

Peer Median: 310.924

#833 of 1024 Bottom 18.8% in 100M-500M tier

832

Net Worth Ratio

risk

Value: 9.51%

Peer Median: 11.71%

#832 of 1024 Bottom 18.8% in 100M-500M tier

808

Return on Assets (ROA)

profitability

Value: 0.41%

Peer Median: 0.75%

#808 of 1024 Bottom 21.2% in 100M-500M tier

775

Share Certificate Concentration (%)

balance_sheet

Value: 31.64%

Peer Median: 23.39%

#775 of 1024 Bottom 24.4% in 100M-500M tier