BlastPoint's Credit Union Scorecard

MEMBERS TRUST OF THE SOUTHWEST

Charter #1584 · TX

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

MEMBERS TRUST OF THE SOUTHWEST has 7 strengths but faces 3 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

+ Relationship Depth Leader: Top 40.5% in tier
+ Organic Growth Engine: Top 44.8% in tier
+ Organic Growth Leader: Top 49.9% in tier
+ Wallet Share Momentum: Top 81.0% in tier
+ ROA 0.08% above tier average
+ Loan-to-Member Ratio (LMR): Top 2.0% in tier
+ Average Member Relationship (AMR): Top 2.1% in tier

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 2.1% in tier
- Net Worth Ratio: Bottom 4.8% in tier
- Net Interest Margin (NIM): Bottom 6.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	8,768 +2.5% YoY+0.7% QoQ	-6.7K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	22%
Assets	$262.4M +7.9% YoY+3.4% QoQ	+$30.5M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	67%
Loans	$206.8M +11.2% YoY+4.9% QoQ	+$59.4M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	77%
Deposits	$243.8M +6.8% YoY+3.4% QoQ	+$42.9M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	70%

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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	0.8% +98.7% YoY+4.3% QoQ	+0.1%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	58%
NIM	2.6% +23.0% YoY+1.4% QoQ	-1.0%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	Bottom 6.8% in tier
Efficiency Ratio	68.6% -15.9% YoY-1.0% QoQ	-8.4%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	22%
Delinquency Rate	0.2% -23.9% YoY-18.2% QoQ	-0.7	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	Bottom 10.2% in tier
Loan To Share	84.8% +4.1% YoY+1.4% QoQ	+12.6%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	75%
AMR	$51,383 +6.1% YoY+3.3% QoQ	+$27K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	Top 2.2% in tier
CD Concentration	48.4% +1.1% YoY-0.5% QoQ	+24.0%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.4% -42.0% YoY-15.3% QoQ	-13.4%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#109 of 268 • Top 40.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.07%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Organic Growth Engine

growth

#267 of 595 • Top 44.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.55%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.85%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.36%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#213 of 426 • Top 49.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.55%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.36%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth

#416 of 513 • Top 81.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.07%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (0)

No concerns identified

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 (10 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $23,582

Peer Median: -

#22 of 1069 Top 2.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $51,383

Peer Median: -

#23 of 1069 Top 2.1% in 100M-500M tier

110

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: -

#110 of 1069 Top 10.2% in 100M-500M tier

137

Loan Growth Rate

growth

Value: 11.22%

Peer Median: -

#137 of 1069 Top 12.7% in 100M-500M tier

221

Fee Income Per Member

profitability

Value: $226.89

Peer Median: -

#221 of 1069 Top 20.6% in 100M-500M tier

232

Efficiency Ratio

profitability

Value: 68.59%

Peer Median: -

#232 of 1069 Top 21.6% in 100M-500M tier

240

Member Growth Rate

growth

Value: 2.55%

Peer Median: -

#240 of 1069 Top 22.4% in 100M-500M tier

245

Total Loans

balance_sheet

Value: $206.77M

Peer Median: -

#245 of 1069 Top 22.8% in 100M-500M tier

255

Net Charge-Off Rate

risk

Value: 0.17%

Peer Median: -

#255 of 1069 Top 23.8% in 100M-500M tier

261

Asset Growth Rate

growth

Value: 7.85%

Peer Median: -

#261 of 1069 Top 24.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1048

Share Certificate Concentration (%)

balance_sheet

Value: 48.41%

Peer Median: -

#1048 of 1069 Bottom 2.1% in 100M-500M tier

1019

Net Worth Ratio

risk

Value: 8.20%

Peer Median: -

#1019 of 1069 Bottom 4.8% in 100M-500M tier

996

Net Interest Margin (NIM)

profitability

Value: 2.58%

Peer Median: -

#996 of 1069 Bottom 6.9% in 100M-500M tier

832

Total Members

engagement

Value: 8,768

Peer Median: -

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