BlastPoint's Credit Union Scorecard

SERVICE ONE

Charter #62484 · KY

1077 CUs in 100M-500M nationally 10 in KY

SERVICE ONE has 2 strengths but faces 7 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 29.8% in tier
+ Organic Growth Engine: Top 30.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.2% in tier
- Efficiency Drag: Bottom 12.8% in tier
- Shrinking Wallet Share: Bottom 17.4% in tier
- Flatlined Growth: Bottom 55.3% in tier
- ROA 0.26% below tier average
- Efficiency ratio 8.70% above tier (higher cost structure)
- Delinquency rate 0.60% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	17,301 +0.8% YoY-0.4% QoQ	+1.7K	15,628 -3.4% YoY	18,350 +6.5% YoY	33,089 +6.1% YoY	65%
Assets	$272.0M -1.7% YoY+0.6% QoQ	+$40.7M	$231.3M -0.0% YoY	$291.9M +10.4% YoY	$547.7M +7.8% YoY	68%
Loans	$209.9M -5.6% YoY-1.3% QoQ	+$62.1M	$147.8M -1.4% YoY	$208.5M +10.3% YoY	$388.7M +8.6% YoY	78%
Deposits	$240.9M +3.7% YoY+0.2% QoQ	+$40.6M	$200.3M -0.0% YoY	$245.3M +10.3% YoY	$464.6M +9.3% YoY	69%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +149.2% YoY+80.0% QoQ	-0.3%	0.8% +15.5% YoY	0.2% -216.5% YoY	0.7% +273.4% YoY	34%
NIM	3.5% +3.8% YoY+1.7% QoQ	-0.1%	3.6% +6.9% YoY	3.6% +4.6% YoY	3.7% +5.0% YoY	46%
Efficiency Ratio	86.0% -2.3% YoY-5.5% QoQ	+8.7%	77.3% -3.0% YoY	85.0% -21.4% YoY	79.1% -3.3% YoY	80%
Delinquency Rate	1.5% +99.7% YoY+12.7% QoQ	+0.6	0.9% +7.6% YoY	0.8% -26.3% YoY	1.2% -0.9% YoY	84%
Loan To Share	87.1% -9.0% YoY-1.5% QoQ	+14.4%	72.7% -1.5% YoY	65.5% -4.4% YoY	68.0% -1.7% YoY	79%
AMR	$26,051 -1.6% YoY-0.2% QoQ	+$2K	$24,363 +2.9% YoY	$16,917 +3.2% YoY	$19,418 +1.3% YoY	70%
CD Concentration	31.9% +13.8% YoY-2.8% QoQ	+7.5%	24.4% +4.2% YoY	22.1% -0.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.3% -47.5% YoY-17.3% QoQ	-12.7%	14.0% -5.7% YoY	7.8% -3.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#393 of 430 • Top 29.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.79%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 1.32%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#555 of 603 • Top 30.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.79%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.53%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 1.32%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk

#79 of 736 • Bottom 3.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.73% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk

#226 of 521 • Bottom 12.8% in tier

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

Why This Signature

Efficiency Ratio: 85.98%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.31% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 0.79%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#174 of 244 • Bottom 17.4% in tier

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

Why This Signature

AMR Growth (YoY): -1.61%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Flatlined Growth

risk

#58 of 58 • Bottom 55.3% 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): -1.69%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.53%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (4 metrics)

198

Fee Income Per Member

profitability

Value: $231.72

Peer Avg: -

#198 of 1077 Top 18.3% in 100M-500M tier

226

Loan-to-Share Ratio

balance_sheet

Value: 87.13%

Peer Avg: -

#226 of 1077 Top 20.9% in 100M-500M tier

242

Total Loans

balance_sheet

Value: $209.86M

Peer Avg: -

#242 of 1077 Top 22.4% in 100M-500M tier

248

Loan-to-Member Ratio (LMR)

engagement

Value: $12,130

Peer Avg: -

#248 of 1077 Top 22.9% in 100M-500M tier

Top Weaknesses (8 metrics)

960

Loan Growth Rate

growth

Value: -5.59%

Peer Avg: -

#960 of 1077 Bottom 11.0% in 100M-500M tier

958

Asset Growth Rate

growth

Value: -1.69%

Peer Avg: -

#958 of 1077 Bottom 11.1% in 100M-500M tier

944

Net Worth Ratio

risk

Value: 8.96%

Peer Avg: -

#944 of 1077 Bottom 12.4% in 100M-500M tier

936

AMR Growth Rate

growth

Value: -1.61%

Peer Avg: -

#936 of 1077 Bottom 13.2% in 100M-500M tier

911

Total Delinquency Rate (60+ days)

risk

Value: 1.46%

Peer Avg: -

#911 of 1077 Bottom 15.5% in 100M-500M tier

865

Members Per Employee (MPE)

engagement

Value: 254.426

Peer Avg: -

#865 of 1077 Bottom 19.8% in 100M-500M tier

857

Efficiency Ratio

profitability

Value: 85.98%

Peer Avg: -

#857 of 1077 Bottom 20.5% in 100M-500M tier

836

Share Certificate Concentration (%)

balance_sheet

Value: 31.92%

Peer Avg: -

#836 of 1077 Bottom 22.5% in 100M-500M tier