BlastPoint's Credit Union Scorecard

C-PLANT

Charter #7524 · KY

100M-500M

1070 CUs in 100M-500M nationally 10 in KY

C-PLANT has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.54% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 6.0% in tier
- Loan-to-Share Ratio: Bottom 7.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	15,892 -1.1% YoY+0.0% QoQ	+746	15,145 -2.5% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	62%
Assets	$363.3M +8.5% YoY+3.5% QoQ	+$131.6M	$231.7M +0.8% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	84%
Loans	$139.0M +3.5% YoY+0.8% QoQ	$-5.2M	$144.1M +0.2% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	58%
Deposits	$308.7M +8.2% YoY+3.7% QoQ	+$107.5M	$201.1M +0.4% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% -15.5% YoY+8.4% QoQ	+0.5%	0.7% +5.1% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	82%
NIM	2.9% +0.4% YoY-3.3% QoQ	-0.7%	3.6% +4.6% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	Bottom 11.1% in tier
Efficiency Ratio	66.1% +9.8% YoY-3.9% QoQ	-11.9%	78.0% -1.7% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	17%
Delinquency Rate	0.2% -13.0% YoY-65.2% QoQ	-0.5	0.8% +7.1% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	16%
Loan To Share	45.0% -4.3% YoY-2.8% QoQ	-25.4%	70.4% -0.4% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	Bottom 7.5% in tier
AMR	$28,168 +7.9% YoY+2.8% QoQ	+$3K	$24,918 +2.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	75%
CD Concentration	41.7% +7.8% YoY+0.7% QoQ	+17.4%	24.3%	22.8%	19.8%	50%
Indirect Auto %	14.0% +35.2% YoY+8.5% QoQ	+0.2%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#215 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.85%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY

Concerns (4)

Margin Compression

decline

#35 of 133 • Bottom 50.0% 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: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.51%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Cost Spiral

risk

#50 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.90% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 40.92%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Membership Headwinds

decline

#481 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#541 of 570 • Bottom 50.0% 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): -1.10%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.50%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.23%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 1070 peers in tier

Top Strengths (10 metrics)

144

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: 0.35%

#144 of 1070 Top 13.4% in 100M-500M tier

159

Asset Growth Rate

growth

Value: 8.47%

Peer Median: 3.91%

#159 of 1070 Top 14.8% in 100M-500M tier

166

AMR Growth Rate

growth

Value: 7.85%

Peer Median: 3.46%

#166 of 1070 Top 15.4% in 100M-500M tier

171

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: 0.61%

#171 of 1070 Top 15.9% in 100M-500M tier

172

Total Assets

balance_sheet

Value: $363.27M

Peer Median: $196.57M

#172 of 1070 Top 16.0% in 100M-500M tier

174

Deposit Growth Rate

growth

Value: 8.15%

Peer Median: 3.30%

#174 of 1070 Top 16.2% in 100M-500M tier

180

Net Worth Ratio

risk

Value: 14.64%

Peer Median: 11.45%

#180 of 1070 Top 16.7% in 100M-500M tier

184

Efficiency Ratio

profitability

Value: 66.14%

Peer Median: 78.68%

#184 of 1070 Top 17.1% in 100M-500M tier

187

Total Deposits

balance_sheet

Value: $308.65M

Peer Median: $171.29M

#187 of 1070 Top 17.4% in 100M-500M tier

193

Return on Assets (ROA)

profitability

Value: 1.27%

Peer Median: 0.69%

#193 of 1070 Top 17.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1007

Share Certificate Concentration (%)

balance_sheet

Value: 41.72%

Peer Median: 23.10%

#1007 of 1070 Bottom 6.0% in 100M-500M tier

990

Loan-to-Share Ratio

balance_sheet

Value: 45.03%

Peer Median: 71.88%

#990 of 1070 Bottom 7.6% in 100M-500M tier

951

Net Interest Margin (NIM)

profitability

Value: 2.89%

Peer Median: 3.62%

#951 of 1070 Bottom 11.2% in 100M-500M tier