BlastPoint's Credit Union Scorecard
ABOUND
Charter #7000 · KY
ABOUND has 8 strengths but faces 7 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 6.6% in tier
- + Wallet Share Momentum: Top 6.6% in tier
- + ROA 0.11% above tier average
- + AMR Growth Rate: Top 6.2% in tier
- + Net Worth Ratio: Top 6.2% in tier
- + Total Assets: Top 7.2% in tier
- + Efficiency Ratio: Top 8.2% in tier
- + Total Loans: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 20.5% in tier
- - Margin Compression: Bottom 37.9% in tier
- - Membership Headwinds: Bottom 86.6% in tier
- - Stagnation Risk: Bottom 86.6% in tier
- - Member decline: -2.3% YoY
- - Share Certificate Concentration (%): Bottom 1.3% in tier
- - Members Per Employee (MPE): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
115,025
-2.3% YoY-2.3% QoQ
|
+19.0K |
96,048
-2.7% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
71% |
| Assets |
$2.7B
+9.2% YoY+3.6% QoQ
|
+$995.6M |
$1.7B
+0.4% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
Top 7.5% in tier |
| Loans |
$2.0B
+8.2% YoY+1.2% QoQ
|
+$739.3M |
$1.2B
+0.2% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
Top 9.2% in tier |
| Deposits |
$2.2B
+9.3% YoY+4.4% QoQ
|
+$777.2M |
$1.5B
+0.5% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
Top 10.5% in tier |
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| ROA |
0.8%
-26.5% YoY-0.8% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
3.0%
+2.9% YoY+0.3% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
61.0%
+8.6% YoY+7.1% QoQ
|
-13.7% |
74.6%
-3.0% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
Top 8.2% in tier |
| Delinquency Rate |
0.5%
-2.2% YoY-17.2% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
87.1%
-1.0% YoY-3.1% QoQ
|
+3.9% |
83.2%
-0.4% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$36,477
+11.4% YoY+5.3% QoQ
|
+$7K |
$29,652
+2.3% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
54.4%
+0.8% YoY-0.7% QoQ
|
+25.5% | 28.8% | 22.8% | 19.8% | Top 1.0% in tier |
| Indirect Auto % |
29.3%
-5.8% YoY-1.2% QoQ
|
+11.2% | 18.1% | 7.7% | 7.7% | 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 (4)
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.
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)