BlastPoint's Credit Union Scorecard

MEMBERS TRUST

Charter #15874 · OH

<100M

2556 CUs in <100M nationally 118 in OH

MEMBERS TRUST faces 3 concerns requiring attention

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.48% below tier average
- Efficiency ratio 13.22% above tier (higher cost structure)
- Member decline: -2.4% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	3,133 -2.4% YoY-0.5% QoQ	+517	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	69%
Assets	$23.0M -5.6% YoY-2.2% QoQ	$-7.1M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	51%
Loans	$14.2M -7.0% YoY-0.8% QoQ	$-1.6M	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	60%
Deposits	$18.4M -7.2% YoY-2.7% QoQ	$-7.3M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	50%

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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	0.1% -23.0% YoY-13.0% QoQ	-0.5%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	22%
NIM	3.7% +5.9% YoY+4.3% QoQ	-0.3%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	41%
Efficiency Ratio	95.8% +2.0% YoY-0.3% QoQ	+13.2%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	84%
Delinquency Rate	0.6% +212.3% YoY+11.4% QoQ	-1.0	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	45%
Loan To Share	76.8% +0.3% YoY+2.0% QoQ	+16.2%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	73%
AMR	$10,403 -4.8% YoY-1.4% QoQ	$-4K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	30%
CD Concentration	15.4% +14.5% YoY+12.7% QoQ	-9.0%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

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 2556 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

628

Net Worth Ratio

risk

Value: 19.39%

Peer Median: -

#628 of 2556 Top 24.5% in <100M tier

Top Weaknesses (6 metrics)

2256

Deposit Growth Rate

growth

Value: -7.21%

Peer Median: -

#2256 of 2556 Bottom 11.8% in <100M tier

2253

Asset Growth Rate

growth

Value: -5.64%

Peer Median: -

#2253 of 2556 Bottom 11.9% in <100M tier

2150

Efficiency Ratio

profitability

Value: 95.78%

Peer Median: -

#2150 of 2556 Bottom 15.9% in <100M tier

2125

AMR Growth Rate

growth

Value: -4.79%

Peer Median: -

#2125 of 2556 Bottom 16.9% in <100M tier

2074

First Mortgage Concentration (%)

balance_sheet

Value: 31.83%

Peer Median: -

#2074 of 2556 Bottom 18.9% in <100M tier

1986

Return on Assets (ROA)

profitability

Value: 0.14%

Peer Median: -

#1986 of 2556 Bottom 22.3% in <100M tier