BlastPoint's Credit Union Scorecard
SERVICE ONE
Charter #62484 · KY
SERVICE ONE has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 37.4% in tier
- + Organic Growth Engine: Top 47.6% in tier
- + Net Interest Margin 0.03% above tier average
- + Fee Income Per Member: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 41.5% in tier
- - Credit Quality Pressure: Bottom 51.7% in tier
- - Efficiency Drag: Bottom 97.8% in tier
- - ROA 0.04% below tier average
- - Efficiency ratio 3.32% above tier (higher cost structure)
- - Delinquency rate 0.01% above tier average
- - AMR Growth Rate: Bottom 6.9% in tier
- - Asset Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,442
+3.3% YoY+0.8% QoQ
|
+2.0K |
15,437
-2.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$265.1M
-2.3% YoY-2.5% QoQ
|
+$33.3M |
$231.9M
+1.3% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$207.0M
-5.2% YoY-1.4% QoQ
|
+$59.6M |
$147.3M
-0.1% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$239.6M
+5.0% YoY-0.5% QoQ
|
+$38.8M |
$200.8M
+0.8% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.7%
+249.2% YoY+37.5% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
3.6%
+7.4% YoY+3.2% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
80.3%
-9.3% YoY-6.6% QoQ
|
+3.3% |
77.0%
-3.1% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.9%
+28.5% YoY-38.2% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
86.4%
-9.7% YoY-0.9% QoQ
|
+14.2% |
72.2%
-1.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$25,605
-3.2% YoY-1.7% QoQ
|
+$929 |
$24,676
+3.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
31.9%
+7.0% YoY-0.1% QoQ
|
+7.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
1.1%
-50.1% YoY-16.9% QoQ
|
-12.7% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)