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 33.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 36.4% in tier
- - Membership Headwinds: Bottom 52.8% in tier
- - Efficiency Drag: Bottom 59.2% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 11.90% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - Member decline: -2.6% YoY
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - Loan-to-Share Ratio: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,497
-2.6% YoY-1.5% QoQ
|
+2.1K |
15,437
-2.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$210.0M
+9.0% YoY+2.3% QoQ
|
$-21.8M |
$231.9M
+1.3% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$86.9M
-0.1% YoY-2.0% QoQ
|
$-60.4M |
$147.3M
-0.1% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$179.8M
+9.9% YoY+2.3% QoQ
|
$-21.0M |
$200.8M
+0.8% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.3%
-74.5% YoY+21.1% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.3%
-3.7% YoY-1.4% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
88.9%
+19.1% YoY-0.6% QoQ
|
+11.9% |
77.0%
-3.1% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Top 11.9% in tier |
| Delinquency Rate |
1.3%
-7.7% YoY+24.4% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
48.4%
-9.2% YoY-4.2% QoQ
|
-23.9% |
72.2%
-1.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.5% in tier |
| AMR |
$15,242
+9.3% YoY+2.5% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.4% in tier |
| CD Concentration |
19.4%
+17.7% YoY-3.3% QoQ
|
-5.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
1.2%
-43.9% YoY-7.8% QoQ
|
-12.6% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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.
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)