BlastPoint's Credit Union Scorecard
MCMURREY
Charter #10481 · TX
MCMURREY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 26.34% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.8% in tier
- - Net Interest Margin (NIM): Bottom 7.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,726
-1.1% YoY+0.1% QoQ
|
-950 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$22.2M
-1.7% YoY+3.0% QoQ
|
$-8.0M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$12.0M
-16.1% YoY-1.9% QoQ
|
$-3.3M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$19.2M
-2.1% YoY+3.7% QoQ
|
$-6.6M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
-0.4%
-172.4% YoY-243.5% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.9% in tier |
| NIM |
2.4%
-1.6% YoY-7.2% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
117.0%
+25.3% YoY+22.5% QoQ
|
+26.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
0.3%
-55.0% YoY-74.2% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
62.6%
-14.3% YoY-5.4% QoQ
|
+4.1% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$18,107
-7.0% YoY+1.4% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
58.3%
+4.2% YoY-0.8% QoQ
|
+34.0% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)