BlastPoint's Credit Union Scorecard

MEMBERS CHOICE OF CENTRAL TEXAS

Charter #199 · TX

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

MEMBERS CHOICE OF CENTRAL TEXAS has 2 strengths but faces 8 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

+ Credit Quality Leader: Top 5.9% in tier
+ Total Delinquency Rate (60+ days): Top 1.8% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 6.3% in tier
- Membership Headwinds: Bottom 10.0% in tier
- Stagnation Risk: Bottom 15.1% in tier
- Indirect Auto Dependency: Bottom 15.8% in tier
- ROA 0.09% below tier average
- Efficiency ratio 2.58% above tier (higher cost structure)
- Member decline: -4.0% YoY
- Loan Growth Rate: Bottom 4.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	18,562 -4.0% YoY-0.9% QoQ	+2.9K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	70%
Assets	$210.8M +1.8% YoY+0.6% QoQ	$-20.5M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	54%
Loans	$130.8M -9.6% YoY-3.1% QoQ	$-17.0M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	53%
Deposits	$180.3M +1.0% YoY-0.2% QoQ	$-20.0M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	53%

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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	0.7% +98.9% YoY+11.1% QoQ	-0.1%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	45%
NIM	3.1% +3.7% YoY+0.6% QoQ	-0.5%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	25%
Efficiency Ratio	79.9% -6.5% YoY-1.0% QoQ	+2.6%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	61%
Delinquency Rate	0.0% -49.0% YoY-47.4% QoQ	-0.8	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	Bottom 1.8% in tier
Loan To Share	72.5% -10.5% YoY-2.9% QoQ	-0.2%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	46%
AMR	$16,760 +0.3% YoY-0.5% QoQ	$-8K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	17%
CD Concentration	25.9% -1.0% YoY+0.3% QoQ	+1.5%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	29.7% -8.7% YoY-4.6% QoQ	+15.7%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#21 of 340 • Top 5.9% in tier

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

Why This Signature

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.04% 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 | Rank improving

Concerns (4)

Institutional Decline

decline

#51 of 256 • Bottom 6.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $210.78M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -4.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.61%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#165 of 550 • Bottom 10.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#249 of 550 • Bottom 15.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.61%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#254 of 525 • Bottom 15.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.78%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 29.72%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -4.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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 (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

122

Net Worth Ratio

risk

Value: 15.95%

Peer Avg: -

#122 of 1077 Top 11.2% in 100M-500M tier

Top Weaknesses (8 metrics)

1033

Loan Growth Rate

growth

Value: -9.61%

Peer Avg: -

#1033 of 1077 Bottom 4.2% in 100M-500M tier

938

Member Growth Rate

growth

Value: -4.03%

Peer Avg: -

#938 of 1077 Bottom 13.0% in 100M-500M tier

897

Indirect Auto Concentration (%)

balance_sheet

Value: 29.72%

Peer Avg: -

#897 of 1077 Bottom 16.8% in 100M-500M tier

893

Average Member Relationship (AMR)

engagement

Value: $16,760

Peer Avg: -

#893 of 1077 Bottom 17.2% in 100M-500M tier

851

First Mortgage Concentration (%)

balance_sheet

Value: 44.40%

Peer Avg: -

#851 of 1077 Bottom 21.1% in 100M-500M tier

827

Loan-to-Member Ratio (LMR)

engagement

Value: $7,046

Peer Avg: -

#827 of 1077 Bottom 23.3% in 100M-500M tier

819

AMR Growth Rate

growth

Value: 0.30%

Peer Avg: -

#819 of 1077 Bottom 24.0% in 100M-500M tier

811

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Avg: -

#811 of 1077 Bottom 24.8% in 100M-500M tier