BlastPoint's Credit Union Scorecard
OWENSBORO
Charter #8988 · KY
OWENSBORO has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 4.6% in tier
- + Total Deposits: Top 5.0% in tier
- + Total Members: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Member decline: -2.9% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -3.2% year over year ($75.0M in shares and deposits).
- Membership: 6,044 members, -2.9% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 1.05%.
- Efficiency ratio 73.23% vs a 88.77% peer average.
- Loan-to-share ratio 48.15% vs a 58.89% 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 |
6,044
-2.9% YoY-0.4% QoQ
|
+3.5K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Top 8.7% in tier |
| Assets |
$88.3M
-1.7% YoY-1.4% QoQ
|
+$58.0M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Top 4.6% in tier |
| Loans |
$36.1M
-6.4% YoY-0.8% QoQ
|
+$20.7M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Top 12.7% in tier |
| Deposits |
$75.0M
-3.2% YoY-1.7% QoQ
|
+$49.2M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 5.0% in tier |
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| ROA |
1.0%
-26.0% YoY+3.6% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
3.4%
-2.1% YoY+1.7% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
73.2%
+11.7% YoY+0.0% QoQ
|
-15.5% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.3%
+21.1% YoY-37.1% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
48.2%
-3.3% YoY+0.9% QoQ
|
-10.7% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$18,390
-1.5% YoY-1.0% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
17.2%
+12.3% YoY+0.2% QoQ
|
-7.4% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
5.6%
-9.0% YoY-5.6% QoQ
|
-8.0% | 13.6% | 7.6% | 7.7% | 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)