BlastPoint's Credit Union Scorecard

AUTOTRUCK FINANCIAL

Charter #68617 · KY

100M-500M

1070 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

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.52% below tier average
- Efficiency ratio 14.03% above tier (higher cost structure)
- Delinquency rate 0.74% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	17,263 -3.5% YoY-1.3% QoQ	+2.1K	15,145 -2.5% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	67%
Assets	$219.1M +5.3% YoY+4.3% QoQ	$-12.6M	$231.7M +0.8% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	56%
Loans	$85.7M -2.1% YoY-1.4% QoQ	$-58.4M	$144.1M +0.2% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	27%
Deposits	$189.0M +5.7% YoY+5.1% QoQ	$-12.2M	$201.1M +0.4% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	56%

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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	0.2% -278.9% YoY-37.3% QoQ	-0.5%	0.7% +5.1% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	17%
NIM	3.2% -4.3% YoY-5.0% QoQ	-0.5%	3.6% +4.6% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	92.1% -5.6% YoY+3.5% QoQ	+14.0%	78.0% -1.7% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	Bottom 11.3% in tier
Delinquency Rate	1.5% +96.5% YoY+18.7% QoQ	+0.7	0.8% +7.1% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	Bottom 10.7% in tier
Loan To Share	45.4% -7.4% YoY-6.2% QoQ	-25.1%	70.4% -0.4% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	Bottom 8.0% in tier
AMR	$15,911 +6.9% YoY+4.4% QoQ	$-9K	$24,918 +2.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	Bottom 12.3% in tier
CD Concentration	19.5% +24.7% YoY+0.1% QoQ	-4.8%	24.3%	22.8%	19.8%	50%
Indirect Auto %	1.1% -45.6% YoY-13.6% QoQ	-12.7%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#288 of 491 • 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): 6.94%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (5)

Credit Quality Pressure

risk

#60 of 727 • 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): 0.74% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Stagnation Risk

risk

#90 of 570 • 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): -3.55%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.52%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#208 of 570 • 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): -3.55%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#272 of 596 • 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: 92.05%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.33% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.55%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Institutional Decline

decline

#134 of 250 • 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: $219.14M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.55%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | 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 1070 peers in tier

Top Strengths (3 metrics)

117

Fee Income Per Member

profitability

Value: $248.56

Peer Median: $154.95

#117 of 1070 Top 10.8% in 100M-500M tier

215

Members Per Employee (MPE)

engagement

Value: 401.465

Peer Median: 309.176

#215 of 1070 Top 20.0% in 100M-500M tier

221

AMR Growth Rate

growth

Value: 6.94%

Peer Median: 3.46%

#221 of 1070 Top 20.6% in 100M-500M tier

Top Weaknesses (9 metrics)

1007

Loan-to-Member Ratio (LMR)

engagement

Value: $4,965

Peer Median: $9,356

#1007 of 1070 Bottom 6.0% in 100M-500M tier

984

Loan-to-Share Ratio

balance_sheet

Value: 45.36%

Peer Median: 71.88%

#984 of 1070 Bottom 8.1% in 100M-500M tier

957

Total Delinquency Rate (60+ days)

risk

Value: 1.52%

Peer Median: 0.61%

#957 of 1070 Bottom 10.7% in 100M-500M tier

950

Efficiency Ratio

profitability

Value: 92.05%

Peer Median: 78.68%

#950 of 1070 Bottom 11.3% in 100M-500M tier

938

Average Member Relationship (AMR)

engagement

Value: $15,911

Peer Median: $22,931

#938 of 1070 Bottom 12.4% in 100M-500M tier

896

Member Growth Rate

growth

Value: -3.55%

Peer Median: -0.06%

#896 of 1070 Bottom 16.4% in 100M-500M tier

889

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Median: 0.69%

#889 of 1070 Bottom 17.0% in 100M-500M tier

837

Loan Growth Rate

growth

Value: -2.10%

Peer Median: 2.93%

#837 of 1070 Bottom 21.9% in 100M-500M tier

820

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.62%

#820 of 1070 Bottom 23.5% in 100M-500M tier