BlastPoint's Credit Union Scorecard
CLASS ACT
Charter #9106 · KY
CLASS ACT has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 4.5% in tier
- + Organic Growth Leader: Top 7.8% in tier
- + Profitability Leader: Top 82.3% in tier
- + ROA 0.41% above tier average
- + Net Interest Margin 0.34% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.7% in tier
- - Credit Quality Pressure: Bottom 12.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,896
+4.4% YoY+1.1% QoQ
|
+7.3K |
15,628
-3.4% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$336.7M
+7.3% YoY-1.5% QoQ
|
+$105.4M |
$231.3M
-0.0% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$233.4M
+6.2% YoY+3.7% QoQ
|
+$85.6M |
$147.8M
-1.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$295.4M
+5.7% YoY-2.0% QoQ
|
+$95.1M |
$200.3M
-0.0% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
1.2%
+37.0% YoY+31.8% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
3.9%
+7.5% YoY+2.8% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
67.8%
-10.7% YoY-5.3% QoQ
|
-9.5% |
77.3%
-3.0% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.7%
+51.0% YoY+0.4% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
79.0%
+0.5% YoY+5.7% QoQ
|
+6.3% |
72.7%
-1.5% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$23,092
+1.4% YoY-0.7% QoQ
|
$-1K |
$24,363
+2.9% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
21.5%
-2.9% YoY+2.4% QoQ
|
-2.9% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.9%
+182.2% YoY+357.5% QoQ
|
-12.1% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)