BlastPoint's Credit Union Scorecard
C-PLANT
Charter #7524 · KY
C-PLANT has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.45% above tier average
- + Total Delinquency Rate (60+ days): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Share Certificate Concentration (%): Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 8.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kentucky.
- Shares and deposits +7.6% year over year ($310M in shares and deposits).
- Membership: 15,876 members, -0.7% vs a year ago.
- Delinquency rate 0.16%.
- Return on assets 1.31%.
- Efficiency ratio 65.77% vs a 76.73% peer average.
- Loan-to-share ratio 46.77% vs a 71.54% 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 |
15,876
-0.7% YoY-0.1% QoQ
|
+707 |
15,168
-2.6% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$365.9M
+7.9% YoY+0.7% QoQ
|
+$133.9M |
$232.0M
+0.7% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$145.0M
+9.2% YoY+4.3% QoQ
|
$-1.3M |
$146.3M
+0.2% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$310.0M
+7.6% YoY+0.4% QoQ
|
+$109.3M |
$200.7M
+0.2% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
1.3%
-1.3% YoY+3.2% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
2.9%
-0.7% YoY+0.7% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio |
65.8%
+0.6% YoY-0.6% QoQ
|
-11.0% |
76.7%
-0.8% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.2%
-55.3% YoY-31.1% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Top 8.4% in tier |
| Loan To Share |
46.8%
+1.5% YoY+3.9% QoQ
|
-24.8% |
71.5%
-0.3% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.6% in tier |
| AMR |
$28,660
+8.8% YoY+1.7% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
42.5%
+10.1% YoY+1.9% QoQ
|
+18.0% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
14.9%
+38.9% YoY+6.2% QoQ
|
+1.2% | 13.6% | 7.6% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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)