BlastPoint's Credit Union Scorecard
KYGER CREEK
Charter #96737 · OH
KYGER CREEK has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Strong member growth: 22.6% YoY
- + Member Growth Rate: Top 1.4% in tier
- + Members Per Employee (MPE): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 3.4% in tier
- - Net Interest Margin (NIM): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,520
+22.6% YoY0% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$20.1M
+4.3% YoY+3.2% QoQ
|
$-10.1M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$10.1M
+6.0% YoY+3.5% QoQ
|
$-5.7M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$16.2M
+4.2% YoY+3.7% QoQ
|
$-9.5M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
0.9%
+58.6% YoY-9.9% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
2.5%
+16.1% YoY-2.8% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio |
65.0%
-13.1% YoY+3.7% QoQ
|
-17.6% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.0%
+16.9% YoY+31.1% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
62.5%
+1.7% YoY-0.2% QoQ
|
+1.8% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$17,273
-14.5% YoY+3.6% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
63.0%
+3.4% YoY+0.4% QoQ
|
+38.6% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)