BlastPoint's Credit Union Scorecard

MEMBERS CHOICE OF CENTRAL TEXAS

Charter #199 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

MEMBERS CHOICE OF CENTRAL TEXAS has 1 strength 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

+ Total Delinquency Rate (60+ days): Top 2.8% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 3.27% above tier (higher cost structure)
- Member decline: -3.8% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	18,295 -3.8% YoY-0.3% QoQ	+3.1K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	71%
Assets	$213.3M +1.4% YoY+0.2% QoQ	$-18.4M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	55%
Loans	$125.4M -9.6% YoY-1.8% QoQ	$-18.8M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	52%
Deposits	$182.3M +0.1% YoY+0.2% QoQ	$-18.9M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	54%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +106.1% YoY+4.2% QoQ	+0.0%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	49%
NIM	3.1% +1.2% YoY-1.7% QoQ	-0.6%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	19%
Efficiency Ratio	81.3% -2.5% YoY+0.8% QoQ	+3.3%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	0.0% -27.1% QoQ	-0.7	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 2.8% in tier
Loan To Share	68.8% -9.7% YoY-2.0% QoQ	-1.6%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	44%
AMR	$16,817 -0.3% YoY-0.3% QoQ	$-8K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	16%
CD Concentration	25.2% -1.0% YoY-1.3% QoQ	+0.9%	24.3%	21.3%	19.8%	50%
Indirect Auto %	28.8% -10.0% YoY+1.2% QoQ	+15.0%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Institutional Decline

decline

#51 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $213.35M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.59%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#173 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.59%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.05%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#193 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#284 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 1.36%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 28.79%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Overhang

risk

#109 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.06%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 68.79%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | New qualifier

Efficiency Drag

risk

#564 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.30%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.35% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.61%

#31 of 1070 Top 2.8% in 100M-500M tier

115

Net Worth Ratio

risk

Value: 16.06%

Peer Median: 11.45%

#115 of 1070 Top 10.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1038

Loan Growth Rate

growth

Value: -9.59%

Peer Median: 2.93%

#1038 of 1070 Bottom 3.1% in 100M-500M tier

907

Member Growth Rate

growth

Value: -3.84%

Peer Median: -0.06%

#907 of 1070 Bottom 15.3% in 100M-500M tier

903

Average Member Relationship (AMR)

engagement

Value: $16,817

Peer Median: $22,931

#903 of 1070 Bottom 15.7% in 100M-500M tier

894

Indirect Auto Concentration (%)

balance_sheet

Value: 28.79%

Peer Median: 6.61%

#894 of 1070 Bottom 16.5% in 100M-500M tier

868

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Median: 3.62%

#868 of 1070 Bottom 19.0% in 100M-500M tier

860

AMR Growth Rate

growth

Value: -0.27%

Peer Median: 3.46%

#860 of 1070 Bottom 19.7% in 100M-500M tier

854

Deposit Growth Rate

growth

Value: 0.08%

Peer Median: 3.30%

#854 of 1070 Bottom 20.3% in 100M-500M tier

849

First Mortgage Concentration (%)

balance_sheet

Value: 44.90%

Peer Median: 29.47%

#849 of 1070 Bottom 20.7% in 100M-500M tier

838

Loan-to-Member Ratio (LMR)

engagement

Value: $6,853

Peer Median: $9,356

#838 of 1070 Bottom 21.8% in 100M-500M tier