BlastPoint's Credit Union Scorecard
MODERN EMPLOYEES
Charter #8940 · KY
MODERN EMPLOYEES has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 12.70% below tier average
- - Efficiency ratio 58.46% above tier (higher cost structure)
- - Member decline: -20.6% YoY
- - Member Growth Rate: Bottom 1.6% in tier
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - Net Worth Ratio: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
517
-20.6% YoY-17.7% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
Bottom 14.2% in tier |
| Assets |
$5.7M
-6.3% YoY-6.1% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$2.5M
-9.8% YoY-5.8% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$5.2M
+2.8% YoY-0.6% QoQ
|
$-20.3M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
-12.0%
-731.4% YoY+119.3% QoQ
|
-12.7% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.4% in tier |
| NIM |
4.7%
-3.6% YoY+7.2% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
139.8%
+87.7% YoY+11.9% QoQ
|
+58.5% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
Top 2.8% in tier |
| Delinquency Rate |
0.8%
-90.2% YoY-91.2% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
47.9%
-12.3% YoY-5.3% QoQ
|
-13.3% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$14,745
+23.9% YoY+18.6% QoQ
|
+$118 |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
5.6%
+19.7% YoY+6.2% QoQ
|
-18.8% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)