BlastPoint's Credit Union Scorecard
CLASS ACT
Charter #9106 · KY
CLASS ACT demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 15.2% in tier
- + Organic Growth Leader: Top 27.3% in tier
- + ROA 0.38% above tier average
- + Net Interest Margin 0.37% above tier average
- + Fee Income Per Member: Top 9.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,015
+4.2% YoY+0.5% QoQ
|
+7.6K |
15,437
-2.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$341.6M
+7.3% YoY+1.5% QoQ
|
+$109.8M |
$231.9M
+1.3% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$237.9M
+6.8% YoY+1.9% QoQ
|
+$90.5M |
$147.3M
-0.1% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$299.8M
+7.0% YoY+1.5% QoQ
|
+$99.0M |
$200.8M
+0.8% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
1.1%
+26.5% YoY-4.5% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
4.0%
+7.6% YoY+1.5% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
67.7%
-9.2% YoY-0.1% QoQ
|
-9.3% |
77.0%
-3.1% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.6%
-11.3% YoY-14.0% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
79.3%
-0.2% YoY+0.4% QoQ
|
+7.1% |
72.2%
-1.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$23,360
+2.6% YoY+1.2% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
22.2%
-0.2% YoY+3.2% QoQ
|
-2.3% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
2.9%
+397.9% YoY+53.4% QoQ
|
-10.9% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (2)
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.
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)