BlastPoint's Credit Union Scorecard
MEMBERS FINANCIAL
Charter #4020 · TX
MEMBERS FINANCIAL has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Deposit Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + Fee Income Per Member: Top 4.1% in tier
- + AMR Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.32% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Share Certificate Concentration (%): Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,301
-3.5% YoY-0.5% QoQ
|
+685 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$35.2M
+16.8% YoY+4.1% QoQ
|
+$5.1M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$20.6M
-3.5% YoY+0.8% QoQ
|
+$4.8M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$31.6M
+19.2% YoY+5.3% QoQ
|
+$5.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.7%
+46.5% YoY-16.9% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
3.1%
-24.1% YoY+0.5% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
82.9%
-4.5% YoY+3.5% QoQ
|
+0.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.3%
-29.3% YoY+163.7% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
65.2%
-19.0% YoY-4.3% QoQ
|
+4.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$15,818
+13.0% YoY+4.0% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
42.7%
+40.2% YoY+3.3% QoQ
|
+18.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-82.9% YoY-43.9% QoQ
|
-13.7% | 13.8% | 7.1% | 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)