BlastPoint's Credit Union Scorecard
MEMBER PREFERRED
Charter #577 · TX
MEMBER PREFERRED has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.8% in tier
- + Loan-to-Share Ratio: Top 5.3% in tier
- + Loan-to-Member Ratio (LMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 4.08% above tier (higher cost structure)
- - Delinquency rate 1.12% above tier average
- - Share Certificate Concentration (%): Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,397
+1.5% YoY-0.3% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$16.4M
-1.4% YoY+1.5% QoQ
|
$-13.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$13.7M
+5.6% YoY-1.7% QoQ
|
$-2.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$14.1M
-1.4% YoY+2.2% QoQ
|
$-11.6M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
0.1%
-59.1% YoY-66.9% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
4.1%
+16.8% YoY-0.4% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
86.6%
-4.0% YoY+6.4% QoQ
|
+4.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
2.7%
+175.3% YoY+77.8% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
97.4%
+7.1% YoY-3.8% QoQ
|
+36.7% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 5.4% in tier |
| AMR |
$19,922
+0.4% YoY+0.6% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
61.8%
+5.8% YoY-1.6% QoQ
|
+37.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)