BlastPoint's Credit Union Scorecard

MEMBERS CHOICE OF CENTRAL TEXAS

Charter #199 · TX

1069 CUs in 100M-500M nationally 79 in TX

MEMBERS CHOICE OF CENTRAL TEXAS has 1 strength but faces 9 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Delinquency Rate (60+ days): Top 2.6% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 17.6% in tier
- Stagnation Risk: Bottom 28.2% in tier
- Membership Headwinds: Bottom 30.7% in tier
- Indirect Auto Dependency: Bottom 32.5% in tier
- Efficiency Drag: Bottom 95.0% in tier
- ROA 0.10% below tier average
- Efficiency ratio 3.60% above tier (higher cost structure)
- Member decline: -4.3% YoY
- Loan Growth Rate: Bottom 3.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	18,347 -4.3% YoY-1.2% QoQ	+2.9K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	70%
Assets	$212.9M +4.9% YoY+1.0% QoQ	$-18.9M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	54%
Loans	$127.7M -9.8% YoY-2.4% QoQ	$-19.7M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	52%
Deposits	$181.9M +3.5% YoY+0.9% QoQ	$-18.9M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	53%

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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	0.7% +60.7% YoY-5.0% QoQ	-0.1%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	42%
NIM	3.1% +1.2% YoY-0.1% QoQ	-0.5%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	24%
Efficiency Ratio	80.6% -5.8% YoY+0.9% QoQ	+3.6%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	62%
Delinquency Rate	0.1% -42.5% YoY+41.0% QoQ	-0.8	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	Bottom 2.6% in tier
Loan To Share	70.2% -12.9% YoY-3.3% QoQ	-2.0%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	42%
AMR	$16,874 +1.9% YoY+0.7% QoQ	$-8K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	16%
CD Concentration	25.5% -4.3% YoY-1.6% QoQ	+1.1%	24.4%	21.2%	19.8%	50%
Indirect Auto %	28.5% -11.1% YoY-4.3% QoQ	+14.7%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Institutional Decline

decline

#43 of 240 • Bottom 17.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $212.95M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -4.29%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -9.84%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#157 of 554 • Bottom 28.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.29%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -9.84%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#171 of 554 • Bottom 30.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.29%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#165 of 506 • Bottom 32.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.85%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 28.45%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -4.29%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#511 of 538 • Bottom 95.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.61%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -4.29%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: -

#29 of 1069 Top 2.6% in 100M-500M tier

125

Net Worth Ratio

risk

Value: 15.92%

Peer Median: -

#125 of 1069 Top 11.6% in 100M-500M tier

250

Members Per Employee (MPE)

engagement

Value: 382.229

Peer Median: -

#250 of 1069 Top 23.3% in 100M-500M tier

Top Weaknesses (7 metrics)

1037

Loan Growth Rate

growth

Value: -9.84%

Peer Median: -

#1037 of 1069 Bottom 3.1% in 100M-500M tier

927

Member Growth Rate

growth

Value: -4.29%

Peer Median: -

#927 of 1069 Bottom 13.4% in 100M-500M tier

893

Average Member Relationship (AMR)

engagement

Value: $16,874

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier

883

Indirect Auto Concentration (%)

balance_sheet

Value: 28.45%

Peer Median: -

#883 of 1069 Bottom 17.5% in 100M-500M tier

851

First Mortgage Concentration (%)

balance_sheet

Value: 44.74%

Peer Median: -

#851 of 1069 Bottom 20.5% in 100M-500M tier

832

Loan-to-Member Ratio (LMR)

engagement

Value: $6,959

Peer Median: -

#832 of 1069 Bottom 22.3% in 100M-500M tier

816

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier