BlastPoint's Credit Union Scorecard

SERVICE ONE

Charter #62484 · KY

100M-500M

1070 CUs in 100M-500M nationally 10 in KY

SERVICE ONE has 3 strengths but faces 6 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
+ Net Charge-Off Rate: Top 2.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.32% below tier average
- Efficiency ratio 11.99% above tier (higher cost structure)
- Delinquency rate 0.07% above tier average
- AMR Growth Rate: Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	17,671 +3.3% YoY+1.3% QoQ	+2.5K	15,145 -2.5% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	68%
Assets	$270.8M +0.1% YoY+2.1% QoQ	+$39.1M	$231.7M +0.8% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	68%
Loans	$202.6M -4.9% YoY-2.1% QoQ	+$58.5M	$144.1M +0.2% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	76%
Deposits	$245.1M +3.9% YoY+2.3% QoQ	+$44.0M	$201.1M +0.4% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	70%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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% +134.5% YoY-43.3% QoQ	-0.3%	0.7% +5.1% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	30%
NIM	3.5% +4.0% YoY-3.2% QoQ	-0.1%	3.6% +4.6% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	90.0% -3.2% YoY+12.0% QoQ	+12.0%	78.0% -1.7% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	Bottom 14.8% in tier
Delinquency Rate	0.8% -6.4% YoY-6.4% QoQ	+0.1	0.8% +7.1% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	68%
Loan To Share	82.7% -8.4% YoY-4.3% QoQ	+12.2%	70.4% -0.4% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	75%
AMR	$25,337 -3.4% YoY-1.0% QoQ	+$419	$24,918 +2.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	64%
CD Concentration	31.9% +8.2% YoY+0.0% QoQ	+7.6%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.9% -53.5% YoY-18.7% QoQ	-12.9%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#143 of 371 • 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): 3.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.89%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#249 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.41%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.89%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#93 of 238 • 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): -3.43%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Efficiency Drag

risk

#237 of 596 • 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: 90.01%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 3.28%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (3 metrics)

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.35%

#27 of 1070 Top 2.4% in 100M-500M tier

196

Member Growth Rate

growth

Value: 3.28%

Peer Median: -0.06%

#196 of 1070 Top 18.2% in 100M-500M tier

252

Total Loans

balance_sheet

Value: $202.62M

Peer Median: $121.41M

#252 of 1070 Top 23.5% in 100M-500M tier

Top Weaknesses (7 metrics)

991

AMR Growth Rate

growth

Value: -3.43%

Peer Median: 3.46%

#991 of 1070 Bottom 7.5% in 100M-500M tier

954

Loan Growth Rate

growth

Value: -4.85%

Peer Median: 2.93%

#954 of 1070 Bottom 10.9% in 100M-500M tier

913

Efficiency Ratio

profitability

Value: 90.01%

Peer Median: 78.68%

#913 of 1070 Bottom 14.8% in 100M-500M tier

872

Asset Growth Rate

growth

Value: 0.12%

Peer Median: 3.91%

#872 of 1070 Bottom 18.6% in 100M-500M tier

870

Net Worth Ratio

risk

Value: 9.35%

Peer Median: 11.45%

#870 of 1070 Bottom 18.8% in 100M-500M tier

853

Members Per Employee (MPE)

engagement

Value: 252.443

Peer Median: 309.176

#853 of 1070 Bottom 20.4% in 100M-500M tier

830

Share Certificate Concentration (%)

balance_sheet

Value: 31.89%

Peer Median: 23.10%

#830 of 1070 Bottom 22.5% in 100M-500M tier