BlastPoint's Credit Union Scorecard

AUTOTRUCK FINANCIAL

Charter #68617 · KY

100M-500M

1024 CUs in 100M-500M nationally 10 in KY

AUTOTRUCK FINANCIAL has 1 strength but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.27% below tier average
- Efficiency ratio 8.32% above tier (higher cost structure)
- Delinquency rate 0.34% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kentucky.
Shares and deposits +7.3% year over year ($190M in shares and deposits).
Membership: 17,257 members, -3.2% vs a year ago.
Delinquency rate 1.22%.
Return on assets 0.59%.
Efficiency ratio 85.05% vs a 76.73% peer average.
Loan-to-share ratio 45.23% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	17,257 -3.2% YoY-0.0% QoQ	+2.1K	15,168 -2.6% YoY	19,704 +8.5% YoY	34,678 +6.6% YoY	67%
Assets	$220.4M +6.9% YoY+0.6% QoQ	$-11.7M	$232.0M +0.7% YoY	$329.2M +13.7% YoY	$593.1M +10.2% YoY	56%
Loans	$85.7M -3.0% YoY+0.0% QoQ	$-60.5M	$146.3M +0.2% YoY	$234.8M +15.2% YoY	$418.6M +10.1% YoY	26%
Deposits	$189.6M +7.3% YoY+0.3% QoQ	$-11.1M	$200.7M +0.2% YoY	$276.9M +13.5% YoY	$504.8M +10.3% YoY	56%

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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	0.6% +557.6% YoY+179.1% QoQ	-0.3%	0.9% +12.5% YoY	1.2% +141.8% YoY	1.2% +121.4% YoY	36%
NIM	3.2% -4.6% YoY+0.1% QoQ	-0.5%	3.7% +4.5% YoY	3.7% +2.3% YoY	3.8% +2.3% YoY	22%
Efficiency Ratio	85.1% -9.0% YoY-7.6% QoQ	+8.3%	76.7% -0.8% YoY	83.2% +1.5% YoY	83.0% -5.3% YoY	76%
Delinquency Rate	1.2% +10.0% YoY-19.5% QoQ	+0.3	0.9% +6.6% YoY	1.1% +18.9% YoY	1.3% +2.6% YoY	78%
Loan To Share	45.2% -9.6% YoY-0.3% QoQ	-26.3%	71.5% -0.3% YoY	64.3% -0.2% YoY	66.4% -1.4% YoY	Bottom 7.2% in tier
AMR	$15,954 +7.4% YoY+0.3% QoQ	$-9K	$25,107 +3.2% YoY	$17,761 +5.3% YoY	$20,028 -0.9% YoY	Bottom 12.5% in tier
CD Concentration	20.2% +10.0% YoY+4.0% QoQ	-4.3%	24.6%	23.1%	20.0%	50%
Indirect Auto %	0.9% -44.1% YoY-12.2% QoQ	-12.7%	13.6%	7.6%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#255 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.38%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (5)

Stagnation Risk

risk

#106 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.24%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.95%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.22%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#230 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.24%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#125 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $220.36M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -3.24%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.95%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Credit Quality Pressure

risk

#465 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Efficiency Drag

risk

#439 of 531 • 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: 85.05%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.50% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -3.24%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (5 metrics)

131

Fee Income Per Member

profitability

Value: $244.31

Peer Median: $159.88

#131 of 1024 Top 12.7% in 100M-500M tier

198

AMR Growth Rate

growth

Value: 7.38%

Peer Median: 3.53%

#198 of 1024 Top 19.2% in 100M-500M tier

199

Deposit Growth Rate

growth

Value: 7.34%

Peer Median: 3.58%

#199 of 1024 Top 19.3% in 100M-500M tier

214

Members Per Employee (MPE)

engagement

Value: 392.205

Peer Median: 310.924

#214 of 1024 Top 20.8% in 100M-500M tier

247

Asset Growth Rate

growth

Value: 6.94%

Peer Median: 4.12%

#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (8 metrics)

970

Loan-to-Member Ratio (LMR)

engagement

Value: $4,969

Peer Median: $9,434

#970 of 1024 Bottom 5.4% in 100M-500M tier

950

Loan-to-Share Ratio

balance_sheet

Value: 45.23%

Peer Median: 73.07%

#950 of 1024 Bottom 7.3% in 100M-500M tier

896

Average Member Relationship (AMR)

engagement

Value: $15,954

Peer Median: $23,006

#896 of 1024 Bottom 12.6% in 100M-500M tier

847

Loan Growth Rate

growth

Value: -2.95%

Peer Median: 3.02%

#847 of 1024 Bottom 17.4% in 100M-500M tier

838

Member Growth Rate

growth

Value: -3.24%

Peer Median: -0.03%

#838 of 1024 Bottom 18.3% in 100M-500M tier

805

Total Delinquency Rate (60+ days)

risk

Value: 1.22%

Peer Median: 0.71%

#805 of 1024 Bottom 21.5% in 100M-500M tier

804

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.67%

#804 of 1024 Bottom 21.6% in 100M-500M tier

780

Efficiency Ratio

profitability

Value: 85.05%

Peer Median: 77.26%

#780 of 1024 Bottom 23.9% in 100M-500M tier