BlastPoint's Credit Union Scorecard

MEMBERS TRUST OF THE SOUTHWEST

Charter #1584 · TX

1077 CUs in 100M-500M nationally 79 in TX

MEMBERS TRUST OF THE SOUTHWEST has 8 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

+ Organic Growth Leader: Top 16.0% in tier
+ Organic Growth Engine: Top 17.4% in tier
+ Relationship Depth Leader: Top 48.8% in tier
+ Credit Quality Leader: Top 58.1% in tier
+ Wallet Share Momentum: Top 94.0% in tier
+ ROA 0.02% above tier average
+ Average Member Relationship (AMR): Top 2.1% in tier
+ Loan-to-Member Ratio (LMR): Top 2.2% in tier

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 2.1% in tier
- Net Worth Ratio: Bottom 5.6% in tier
- Net Interest Margin (NIM): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	8,705 +2.5% YoY+0.3% QoQ	-6.9K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	21%
Assets	$253.7M +7.2% YoY+1.6% QoQ	+$22.4M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	65%
Loans	$197.2M +9.7% YoY+3.6% QoQ	+$49.4M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	75%
Deposits	$235.7M +6.4% YoY+1.1% QoQ	+$35.4M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	68%

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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% +107.8% YoY+9.3% QoQ	+0.0%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	54%
NIM	2.5% +23.8% YoY+2.5% QoQ	-1.0%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	Bottom 7.1% in tier
Efficiency Ratio	69.3% -16.3% YoY-2.8% QoQ	-8.0%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	24%
Delinquency Rate	0.3% -35.7% YoY-23.0% QoQ	-0.6	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	15%
Loan To Share	83.7% +3.1% YoY+2.5% QoQ	+11.0%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	72%
AMR	$49,720 +5.3% YoY+1.9% QoQ	+$25K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	Top 2.2% in tier
CD Concentration	48.6% -0.7% YoY+0.9% QoQ	+24.2%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.4% -39.2% YoY-14.3% QoQ	-13.5%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Leader

growth

#211 of 430 • Top 16.0% in tier

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

Why This Signature

Member Growth (YoY): 2.52%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.43%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#319 of 603 • Top 17.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.52%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.81%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.43%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth

#126 of 257 • Top 48.8% 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): 5.27%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.7K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Credit Quality Leader

growth

#198 of 340 • Top 58.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.26%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.14% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Wallet Share Momentum

growth

#452 of 481 • Top 94.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.27%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (8 metrics)

Average Member Relationship (AMR)

engagement

Value: $49,720

Peer Avg: -

#24 of 1077 Top 2.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,648

Peer Avg: -

#25 of 1077 Top 2.2% in 100M-500M tier

165

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Avg: -

#165 of 1077 Top 15.2% in 100M-500M tier

175

Loan Growth Rate

growth

Value: 9.74%

Peer Avg: -

#175 of 1077 Top 16.2% in 100M-500M tier

226

Fee Income Per Member

profitability

Value: $225.04

Peer Avg: -

#226 of 1077 Top 20.9% in 100M-500M tier

252

Asset Growth Rate

growth

Value: 7.23%

Peer Avg: -

#252 of 1077 Top 23.3% in 100M-500M tier

258

Member Growth Rate

growth

Value: 2.52%

Peer Avg: -

#258 of 1077 Top 23.9% in 100M-500M tier

261

Efficiency Ratio

profitability

Value: 69.26%

Peer Avg: -

#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1055

Share Certificate Concentration (%)

balance_sheet

Value: 48.64%

Peer Avg: -

#1055 of 1077 Bottom 2.1% in 100M-500M tier

1018

Net Worth Ratio

risk

Value: 8.23%

Peer Avg: -

#1018 of 1077 Bottom 5.6% in 100M-500M tier

1001

Net Interest Margin (NIM)

profitability

Value: 2.54%

Peer Avg: -

#1001 of 1077 Bottom 7.1% in 100M-500M tier

855

Total Members

engagement

Value: 8,705

Peer Avg: -

#855 of 1077 Bottom 20.7% in 100M-500M tier