BlastPoint's Credit Union Scorecard
C-PLANT
Charter #7524 · KY
C-PLANT has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 68.4% in tier
- + ROA 0.50% above tier average
- + Net Charge-Off Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 4.7% in tier
- - Institutional Decline: Bottom 19.4% in tier
- - Membership Headwinds: Bottom 21.2% in tier
- - Credit Quality Pressure: Bottom 22.6% in tier
- - Loan-to-Share Ratio: Bottom 7.3% in tier
- - Share Certificate Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,949
-1.8% YoY-0.3% QoQ
|
+320 |
15,628
-3.4% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$344.2M
+4.9% YoY+1.6% QoQ
|
+$112.9M |
$231.3M
-0.0% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
81% |
| Loans |
$135.5M
-3.0% YoY+2.0% QoQ
|
$-12.3M |
$147.8M
-1.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$292.1M
+4.3% YoY+1.3% QoQ
|
+$91.8M |
$200.3M
-0.0% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
1.3%
-5.2% YoY-3.1% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
3.0%
+1.2% YoY+1.5% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
66.8%
+5.1% YoY+2.2% QoQ
|
-10.4% |
77.3%
-3.0% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.4%
+17.3% YoY+19.9% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
46.4%
-7.1% YoY+0.7% QoQ
|
-26.3% |
72.7%
-1.5% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.2% in tier |
| AMR |
$26,808
+3.7% YoY+1.8% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
40.0%
-0.1% YoY+3.4% QoQ
|
+15.5% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.5%
+26.9% YoY+7.7% QoQ
|
-2.5% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)