BlastPoint's Credit Union Scorecard
ABOUND
Charter #7000 · KY
ABOUND has 6 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 21.9% in tier
- + Wallet Share Momentum: Top 48.4% in tier
- + Organic Growth Engine: Top 88.2% 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
- - Indirect Auto Dependency: Bottom 21.5% in tier
- - Margin Compression: Bottom 38.9% in tier
- - Liquidity Overhang: Bottom 93.8% 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
|
Bottom 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 (3)
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.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)