BlastPoint's Credit Union Scorecard
ABOUND
Charter #7000 · KY
ABOUND has 8 strengths but faces 6 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 9.7% in tier
- + Wallet Share Momentum: Top 9.7% in tier
- + ROA 0.22% above tier average
- + Efficiency Ratio: Top 5.7% in tier
- + Total Assets: Top 6.3% in tier
- + Net Worth Ratio: Top 6.7% in tier
- + Total Loans: Top 8.0% in tier
- + Total Deposits: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 22.0% in tier
- - Credit Quality Pressure: Bottom 33.1% in tier
- - Credit Risk Growth: Bottom 36.0% in tier
- - Membership Headwinds: Bottom 80.4% in tier
- - Stagnation Risk: Bottom 80.4% in tier
- - Share Certificate Concentration (%): Bottom 1.3% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Kentucky.
- Shares and deposits +10.5% year over year ($2.29B in shares and deposits).
- Membership: 118,683 members, -1.2% vs a year ago.
- Delinquency rate 0.81%.
- Return on assets 1.04%.
- Efficiency ratio 57.30% vs a 73.02% peer average.
- Loan-to-share ratio 87.52% vs a 84.71% 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 |
118,683
-1.2% YoY+3.2% QoQ
|
+21.8K |
96,861
-1.9% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$2.8B
+9.4% YoY+1.7% QoQ
|
+$1.0B |
$1.7B
+0.4% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Top 6.7% in tier |
| Loans |
$2.0B
+7.9% YoY+2.8% QoQ
|
+$774.2M |
$1.2B
+0.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Top 8.3% in tier |
| Deposits |
$2.3B
+10.5% YoY+2.3% QoQ
|
+$831.4M |
$1.5B
+0.5% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 9.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-4.7% YoY+26.1% QoQ
|
+0.2% |
0.8%
+27.6% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
3.0%
+2.8% YoY+1.7% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
57.3%
+1.3% YoY-6.0% QoQ
|
-15.7% |
73.0%
-2.7% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Top 5.7% in tier |
| Delinquency Rate |
0.8%
+16.2% YoY+49.6% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
87.5%
-2.3% YoY+0.5% QoQ
|
+2.8% |
84.7%
+0.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$36,258
+10.6% YoY-0.6% QoQ
|
+$7K |
$29,575
+1.5% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
Top 15.0% in tier |
| CD Concentration |
54.4%
+0.3% YoY+0.1% QoQ
|
+25.3% | 29.1% | 23.1% | 20.0% | Top 1.1% in tier |
| Indirect Auto % |
29.8%
-2.1% YoY+1.9% QoQ
|
+11.7% | 18.1% | 7.6% | 7.7% | 78% |
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 (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)