BlastPoint's Credit Union Scorecard

ABOUND

Charter #7000 · KY

Mid-Market 1B-3B
304 CUs in 1B-3B nationally 5 in KY
View Mid-Market leaderboard →

ABOUND has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 6.1% in tier
  • + Profitability Leader: Top 43.6% in tier
  • + Relationship Depth Leader: Top 54.5% in tier
  • + ROA 0.57% above tier average
  • + Efficiency Ratio: Top 2.6% in tier
  • + Net Worth Ratio: Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 4.3% in tier
  • - Margin Compression: Bottom 6.1% in tier
  • - Credit Quality Pressure: Bottom 8.8% in tier
  • - Indirect Auto Dependency: Bottom 9.6% in tier
  • - Liquidity Overhang: Bottom 93.8% in tier
  • - Share Certificate Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 122,259
+4.9% YoY+1.8% QoQ
 +23.6K 98,678
-1.9% YoY
 18,350
+6.5% YoY
 33,089
+6.1% YoY
 74%
Assets $2.6B
+9.4% YoY+2.0% QoQ
 +$852.3M $1.7B
+0.5% YoY
 $291.9M
+10.4% YoY
 $547.7M
+7.8% YoY
 Top 12.2% in tier
Loans $1.9B
+9.8% YoY+1.6% QoQ
 +$656.5M $1.2B
+0.5% YoY
 $208.5M
+10.3% YoY
 $388.7M
+8.6% YoY
 Top 11.2% in tier
Deposits $2.1B
+8.7% YoY+1.7% QoQ
 +$656.9M $1.5B
+1.3% YoY
 $245.3M
+10.3% YoY
 $464.6M
+9.3% YoY
 85%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.3%
-15.5% YoY+16.8% QoQ
 +0.6% 0.7%
+13.4% YoY
 0.2%
-216.5% YoY
 0.7%
+273.4% YoY
 Top 9.9% in tier
NIM 3.0%
+0.6% YoY+0.9% QoQ
 -0.3% 3.3%
+9.3% YoY
 3.6%
+4.6% YoY
 3.7%
+5.0% YoY
 26%
Efficiency Ratio 55.5%
+7.7% YoY-1.8% QoQ
 -18.4% 74.0%
-10.9% YoY
 85.0%
-21.4% YoY
 79.1%
-3.3% YoY
 Bottom 2.6% in tier
Delinquency Rate 0.6%
+44.8% YoY-10.1% QoQ
 -0.2 0.8%
+6.1% YoY
 0.8%
-26.3% YoY
 1.2%
-0.9% YoY
 45%
Loan To Share 89.5%
+1.0% YoY-0.1% QoQ
 +4.3% 85.2%
-0.8% YoY
 65.5%
-4.4% YoY
 68.0%
-1.7% YoY
 53%
AMR $32,724
+4.2% YoY-0.2% QoQ
 +$4K $29,172
+2.8% YoY
 $16,917
+3.2% YoY
 $19,418
+1.3% YoY
 76%
CD Concentration 54.4%
+0.5% YoY+0.3% QoQ
 +25.5% 29.0%
+0.7% YoY
 22.1%
-0.3% YoY
 19.6%
+6.2% YoY
 Top 1.1% in tier
Indirect Auto % 29.9%
-5.2% YoY-1.8% QoQ
 +11.2% 18.8%
-3.0% YoY
 7.8%
-3.4% YoY
 7.9%
-2.9% YoY
 76%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#45 of 246 • Top 6.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.87%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.27%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 29.93%
(Tier: 18.77%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Profitability Leader

growth
#42 of 95 • Top 43.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature
Return on Assets: 1.27%
(Tier: 0.71%, National: 0.71%)
better than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.07% points, National: 0.05% points)
but worse than tier avg
95 of 380 Mid-Market CUs have this signature | 457 nationally
→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#37 of 67 • Top 54.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 4.16%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
67 of 380 Mid-Market CUs have this signature | 341 nationally
↑ Growing +25 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk
#25 of 161 • Bottom 4.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.83%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.19% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Margin Compression

decline
#6 of 24 • Bottom 6.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.27%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA (Prior Year): 1.51%
(Tier: 0.64%, National: 0.67%)
but better than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | New qualifier

Credit Quality Pressure

risk
#68 of 217 • Bottom 8.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.19% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#60 of 202 • Bottom 9.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.42%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 29.93%
(Tier: 18.77%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.87%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Overhang

risk
#16 of 17 • Bottom 93.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.18%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 89.50%
(Tier: 86.32%, National: 67.96%)
but better than tier avg
17 of 380 Mid-Market CUs have this signature | 155 nationally
→ Stable (17→17 CUs)

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)

Comparing against 304 peers in tier

Top Strengths (12 metrics)

9
Efficiency Ratio
profitability
Value: 55.53%
Peer Avg: -
#9 of 304 Top 2.6% in 1B-3B tier
15
Net Worth Ratio
risk
Value: 16.18%
Peer Avg: -
#15 of 304 Top 4.6% in 1B-3B tier
30
Return on Assets (ROA)
profitability
Value: 1.27%
Peer Avg: -
#30 of 304 Top 9.5% in 1B-3B tier
34
Total Loans
balance_sheet
Value: $1.89B
Peer Avg: -
#34 of 304 Top 10.9% in 1B-3B tier
37
Total Assets
balance_sheet
Value: $2.57B
Peer Avg: -
#37 of 304 Top 11.8% in 1B-3B tier
46
Total Deposits
balance_sheet
Value: $2.11B
Peer Avg: -
#46 of 304 Top 14.8% in 1B-3B tier
50
Asset Growth Rate
growth
Value: 9.42%
Peer Avg: -
#50 of 304 Top 16.1% in 1B-3B tier
63
Deposit Growth Rate
growth
Value: 8.71%
Peer Avg: -
#63 of 304 Top 20.4% in 1B-3B tier
66
Member Growth Rate
growth
Value: 4.87%
Peer Avg: -
#66 of 304 Top 21.4% in 1B-3B tier
67
Loan-to-Member Ratio (LMR)
engagement
Value: $15,456
Peer Avg: -
#67 of 304 Top 21.7% in 1B-3B tier

Top Weaknesses (2 metrics)

301
Share Certificate Concentration (%)
balance_sheet
Value: 54.43%
Peer Avg: -
#301 of 304 Bottom 1.3% in 1B-3B tier
234
Indirect Auto Concentration (%)
balance_sheet
Value: 29.93%
Peer Avg: -
#234 of 304 Bottom 23.4% in 1B-3B tier
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