BlastPoint's Credit Union Scorecard

CLASS ACT

Charter #9106 · KY

100M-500M
1070 CUs in 100M-500M nationally 10 in KY

CLASS ACT demonstrates 5 strengths

National Analysis

How does the industry compare?
KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.59% above tier average
  • + Net Interest Margin 0.36% above tier average
  • + Fee Income Per Member: Top 8.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 23,195
+3.9% YoY+0.8% QoQ
 +8.0K 15,145
-2.5% YoY
 19,049
+8.0% YoY
 33,913
+5.7% YoY
 Top 15.0% in tier
Assets $352.3M
+5.9% YoY+3.1% QoQ
 +$120.6M $231.7M
+0.8% YoY
 $318.2M
+13.2% YoY
 $578.3M
+9.0% YoY
 82%
Loans $237.1M
+5.6% YoY-0.3% QoQ
 +$92.9M $144.1M
+0.2% YoY
 $224.2M
+14.2% YoY
 $402.4M
+8.7% YoY
 84%
Deposits $310.0M
+5.5% YoY+3.4% QoQ
 +$108.8M $201.1M
+0.4% YoY
 $268.6M
+13.0% YoY
 $494.3M
+9.1% YoY
 83%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.3%
+49.1% YoY+15.1% QoQ
 +0.6% 0.7%
+5.1% YoY
 -0.2%
-46.7% YoY
 0.4%
-39.2% YoY
 84%
NIM 4.0%
+4.0% YoY+0.3% QoQ
 +0.4% 3.6%
+4.6% YoY
 3.3%
-7.9% YoY
 3.8%
+4.1% YoY
 73%
Efficiency Ratio 65.2%
-9.0% YoY-3.7% QoQ
 -12.8% 78.0%
-1.7% YoY
 83.1%
-14.8% YoY
 84.6%
+2.8% YoY
 15%
Delinquency Rate 0.4%
-41.5% YoY-37.8% QoQ
 -0.4 0.8%
+7.1% YoY
 0.9%
-11.3% YoY
 1.2%
+3.4% YoY
 31%
Loan To Share 76.5%
+0.1% YoY-3.6% QoQ
 +6.1% 70.4%
-0.4% YoY
 64.5%
+0.1% YoY
 65.6%
-1.4% YoY
 59%
AMR $23,584
+1.6% YoY+1.0% QoQ
 $-1K $24,918
+2.7% YoY
 $17,696
+5.9% YoY
 $19,920
+1.6% YoY
 54%
CD Concentration 23.1%
+7.4% YoY+4.3% QoQ
 -1.2% 24.3% 22.8% 19.8% 50%
Indirect Auto % 2.6%
+419.7% YoY-11.7% QoQ
 -11.3% 13.8% 7.7% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#81 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.86%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 1.31%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 2.55%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#117 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.86%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 2.55%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (0)

No concerns identified

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)

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

90
Fee Income Per Member
profitability
Value: $265.51
Peer Median: $154.95
#90 of 1070 Top 8.3% in 100M-500M tier
160
Member Growth Rate
growth
Value: 3.86%
Peer Median: -0.06%
#160 of 1070 Top 14.9% in 100M-500M tier
161
Total Members
engagement
Value: 23,195
Peer Median: 13,200
#161 of 1070 Top 15.0% in 100M-500M tier
166
Efficiency Ratio
profitability
Value: 65.23%
Peer Median: 78.68%
#166 of 1070 Top 15.4% in 100M-500M tier
168
Total Loans
balance_sheet
Value: $237.07M
Peer Median: $121.41M
#168 of 1070 Top 15.6% in 100M-500M tier
171
Return on Assets (ROA)
profitability
Value: 1.31%
Peer Median: 0.69%
#171 of 1070 Top 15.9% in 100M-500M tier
181
Total Deposits
balance_sheet
Value: $309.96M
Peer Median: $171.29M
#181 of 1070 Top 16.8% in 100M-500M tier
194
Total Assets
balance_sheet
Value: $352.29M
Peer Median: $196.57M
#194 of 1070 Top 18.0% in 100M-500M tier

Top Weaknesses (2 metrics)

898
Net Charge-Off Rate
risk
Value: 0.82%
Peer Median: 0.35%
#898 of 1070 Bottom 16.2% in 100M-500M tier
856
Members Per Employee (MPE)
engagement
Value: 252.120
Peer Median: 309.176
#856 of 1070 Bottom 20.1% in 100M-500M tier
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