BlastPoint's Credit Union Scorecard
OWENSBORO
Charter #8988 · KY
OWENSBORO has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Total Assets: Top 4.1% in tier
- + Total Deposits: Top 4.2% in tier
- + Asset Growth Rate: Top 8.9% in tier
- + Total Members: Top 9.0% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,082
-2.6% YoY-2.3% QoQ
|
+3.5K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
Top 9.0% in tier |
| Assets |
$88.8M
+9.7% YoY-1.1% QoQ
|
+$59.0M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
Top 4.2% in tier |
| Loans |
$37.8M
-2.6% YoY-2.2% QoQ
|
+$22.0M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 12.2% in tier |
| Deposits |
$76.2M
+9.6% YoY-1.7% QoQ
|
+$50.8M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 4.3% in tier |
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| ROA |
1.4%
+6.9% YoY-1.5% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.4%
+1.9% YoY-0.1% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
65.4%
-5.6% YoY-0.2% QoQ
|
-16.0% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.2%
-68.0% YoY+17.3% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
49.5%
-11.1% YoY-0.5% QoQ
|
-11.7% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$18,741
+8.0% YoY+0.4% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
16.5%
+23.9% YoY+7.8% QoQ
|
-7.9% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
6.4%
-5.9% YoY+4.4% QoQ
|
-7.5% |
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)