BlastPoint's Credit Union Scorecard
ABOUND
Charter #7000 · KY
ABOUND has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does KY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 16.1% in tier
- + Wallet Share Momentum: Top 16.1% in tier
- + ROA 0.15% above tier average
- + Efficiency Ratio: Top 3.0% in tier
- + Net Worth Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4.5% in tier
- - Indirect Auto Dependency: Bottom 23.7% in tier
- - Margin Compression: Bottom 36.7% in tier
- - Share Certificate Concentration (%): Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
117,743
+1.0% YoY-3.7% QoQ
|
+20.3K |
97,431
-2.4% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$2.6B
+9.2% YoY+1.9% QoQ
|
+$898.3M |
$1.7B
+0.9% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Top 10.9% in tier |
| Loans |
$1.9B
+10.2% YoY+2.1% QoQ
|
+$695.7M |
$1.2B
+0.5% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 10.6% in tier |
| Deposits |
$2.1B
+8.5% YoY+1.8% QoQ
|
+$689.4M |
$1.5B
+0.9% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 12.9% in tier |
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| ROA |
0.8%
-37.7% YoY-34.7% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
3.0%
+1.6% YoY-0.0% QoQ
|
-0.3% |
3.3%
+9.2% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
56.9%
+3.4% YoY+2.5% QoQ
|
-17.1% |
74.1%
-9.5% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.7%
-18.1% YoY+4.4% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
89.8%
+1.6% YoY+0.4% QoQ
|
+5.0% |
84.8%
-0.8% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$34,642
+8.2% YoY+5.9% QoQ
|
+$5K |
$29,428
+2.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
54.8%
+0.5% YoY+0.6% QoQ
|
+25.7% | 29.0% | 22.4% | 19.8% | Top 1.1% in tier |
| Indirect Auto % |
29.6%
-4.8% YoY-1.0% QoQ
|
+11.3% | 18.3% | 7.7% | 7.8% | 76% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)