BlastPoint's Credit Union Scorecard

ABOUND

Charter #7000 · KY

Mid-Market 1B-3B

Abound at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Abound is one of 101 credit unions in the 2026 VentureTech card set. We also found Abound's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Abound

Turn your sound on

Tap a card to see it up close

ABOUND
PEER · AT VENTURETECH
PEER · AT VENTURETECH
ABOUND'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 5 in KY

View Mid-Market leaderboard →

ABOUND has 7 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

+ Relationship Depth Leader: 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

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

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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

growth

#15 of 69 • Top 9.7% 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): 10.58%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.3K

(Tier: $3.2K, National: $2.1K)

but worse than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#36 of 125 • Top 9.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.58%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#23 of 193 • Bottom 22.0% in tier

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

Why This Signature

Asset Growth (YoY): 9.44%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 29.83%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Risk Growth

risk

#80 of 170 • Bottom 36.0% in tier

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

Why This Signature

Loan Growth (YoY): 7.95%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#123 of 215 • Bottom 33.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Membership Headwinds

decline

#74 of 86 • Bottom 80.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Stagnation Risk

risk

#78 of 86 • Bottom 80.4% 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): -1.15%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 7.95%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.81%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | 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 300 peers in tier

Top Strengths (10 metrics)

Efficiency Ratio

profitability

Value: 57.30%

Peer Median: 73.62%

#18 of 300 Top 5.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.76B

Peer Median: $1.51B

#20 of 300 Top 6.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 15.85%

Peer Median: 10.91%

#21 of 300 Top 6.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.01B

Peer Median: $1.14B

#25 of 300 Top 8.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.29B

Peer Median: $1.30B

#28 of 300 Top 9.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 10.58%

Peer Median: 3.19%

#31 of 300 Top 10.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,923

Peer Median: $12,809

#37 of 300 Top 12.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 10.51%

Peer Median: 4.79%

#40 of 300 Top 13.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $36,258

Peer Median: $28,089

#45 of 300 Top 14.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.44%

Peer Median: 5.21%

#61 of 300 Top 20.0% in 1B-3B tier

Top Weaknesses (5 metrics)

297

Share Certificate Concentration (%)

balance_sheet

Value: 54.43%

Peer Median: 28.24%

#297 of 300 Bottom 1.3% in 1B-3B tier

251

Members Per Employee (MPE)

engagement

Value: 281.239

Peer Median: 346.173

#251 of 300 Bottom 16.7% in 1B-3B tier

239

Indirect Auto Concentration (%)

balance_sheet

Value: 29.83%

Peer Median: 14.26%

#239 of 300 Bottom 20.7% in 1B-3B tier

236

Net Interest Margin (NIM)

profitability

Value: 3.03%

Peer Median: 3.46%

#236 of 300 Bottom 21.7% in 1B-3B tier

236

Member Growth Rate

growth

Value: -1.15%

Peer Median: 1.84%

#236 of 300 Bottom 21.7% in 1B-3B tier