BlastPoint's Credit Union Scorecard
AUTOTRUCK FINANCIAL
Charter #68617 · KY
AUTOTRUCK FINANCIAL has 1 strength but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 78.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 16.8% in tier
- - Efficiency Drag: Bottom 18.0% in tier
- - Stagnation Risk: Bottom 30.4% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 12.16% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
- - Member decline: -2.5% YoY
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- - Average Member Relationship (AMR): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,770
-2.5% YoY-0.4% QoQ
|
+2.1K |
15,628
-3.4% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$205.3M
+4.6% YoY-0.4% QoQ
|
$-26.0M |
$231.3M
-0.0% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$88.7M
+0.6% YoY+0.3% QoQ
|
$-59.1M |
$147.8M
-1.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$175.7M
+4.8% YoY-0.5% QoQ
|
$-24.6M |
$200.3M
-0.0% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.3%
-81.4% YoY+210.2% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
3.4%
-0.7% YoY+1.7% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
89.4%
+23.9% YoY-4.3% QoQ
|
+12.2% |
77.3%
-3.0% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
Top 11.4% in tier |
| Delinquency Rate |
1.0%
-27.3% YoY-7.5% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
50.5%
-4.0% YoY+0.9% QoQ
|
-22.2% |
72.7%
-1.5% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.1% in tier |
| AMR |
$14,875
+6.0% YoY+0.1% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.2% in tier |
| CD Concentration |
20.1%
+28.7% YoY+9.3% QoQ
|
-4.3% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.3%
-44.6% YoY-20.1% QoQ
|
-12.6% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)