BlastPoint's Credit Union Scorecard
MODERN EMPLOYEES
Charter #8940 · KY
MODERN EMPLOYEES has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.80% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 10.17% below tier average
- - Efficiency ratio 50.62% above tier (higher cost structure)
- - Delinquency rate 3.33% above tier average
- - Member decline: -19.8% YoY
- - Member Growth Rate: Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.4% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
- - Loan Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
511
-19.8% YoY-1.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 13.8% in tier |
| Assets |
$5.5M
-6.3% YoY-2.3% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$2.3M
-16.1% YoY-8.8% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$5.0M
+2.3% YoY-2.5% QoQ
|
$-20.7M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
-9.5%
-869.3% YoY-20.6% QoQ
|
-10.2% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.4% in tier |
| NIM |
4.8%
-3.5% YoY+1.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
133.2%
+56.9% YoY-4.8% QoQ
|
+50.6% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
4.9%
-58.2% YoY+526.8% QoQ
|
+3.3 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Top 6.4% in tier |
| Loan To Share |
44.8%
-18.0% YoY-6.5% QoQ
|
-15.8% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$14,242
+19.4% YoY-3.4% QoQ
|
$-541 |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
5.9%
+51.0% YoY+4.8% QoQ
|
-18.6% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)