BlastPoint's Credit Union Scorecard
CLASS ACT
Charter #9106 · KY
CLASS ACT demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kentucky.
- Shares and deposits +6.5% year over year ($321M in shares and deposits).
- Membership: 23,498 members, +3.8% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 1.02%.
- Efficiency ratio 69.77% vs a 76.73% peer average.
- Loan-to-share ratio 77.75% vs a 71.54% 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 |
23,498
+3.8% YoY+1.3% QoQ
|
+8.3K |
15,168
-2.6% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Top 14.3% in tier |
| Assets |
$365.0M
+6.8% YoY+3.6% QoQ
|
+$133.0M |
$232.0M
+0.7% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$249.4M
+10.8% YoY+5.2% QoQ
|
+$103.1M |
$146.3M
+0.2% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Top 13.4% in tier |
| Deposits |
$320.8M
+6.5% YoY+3.5% QoQ
|
+$120.1M |
$200.7M
+0.2% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
85% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+12.7% YoY-22.2% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.9%
+2.3% YoY-2.2% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
69.8%
-2.6% YoY+7.0% QoQ
|
-7.0% |
76.7%
-0.8% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
0.6%
-16.3% YoY+55.9% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
77.8%
+4.1% YoY+1.7% QoQ
|
+6.2% |
71.5%
-0.3% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$24,265
+4.4% YoY+2.9% QoQ
|
$-842 |
$25,107
+3.2% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
24.7%
+18.0% YoY+7.1% QoQ
|
+0.2% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
2.1%
+416.6% YoY-16.6% QoQ
|
-11.5% | 13.6% | 7.6% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)