BlastPoint's Credit Union Scorecard

MTC

Charter #22520 · SC

100M-500M

1070 CUs in 100M-500M nationally 9 in SC

MTC has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.43% above tier average
+ AMR Growth Rate: Top 4.3% in tier
+ Deposit Growth Rate: Top 7.3% in tier
+ Loan Growth Rate: Top 8.1% in tier
+ Fee Income Per Member: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.67% below tier average
- Efficiency ratio 12.68% above tier (higher cost structure)
- Delinquency rate 0.15% above tier average
- Members Per Employee (MPE): Bottom 2.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	15,990 -1.8% YoY-0.4% QoQ	+844	15,145 -2.5% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	63%
Assets	$299.9M +9.3% YoY+1.6% QoQ	+$68.2M	$231.7M +0.8% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	73%
Loans	$193.0M +13.5% YoY+2.8% QoQ	+$48.8M	$144.1M +0.2% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	74%
Deposits	$256.4M +10.7% YoY+1.9% QoQ	+$55.3M	$201.1M +0.4% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	72%

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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	0.1% -83.8% YoY-73.7% QoQ	-0.7%	0.7% +5.1% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	Bottom 10.1% in tier
NIM	4.1% -4.6% YoY-5.2% QoQ	+0.4%	3.6% +4.6% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	90.7% +9.4% YoY+3.7% QoQ	+12.7%	78.0% -1.7% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	Bottom 13.9% in tier
Delinquency Rate	0.9% -26.2% YoY-0.5% QoQ	+0.1	0.8% +7.1% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	72%
Loan To Share	75.3% +2.6% YoY+0.9% QoQ	+4.8%	70.4% -0.4% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	56%
AMR	$28,107 +14.0% YoY+2.7% QoQ	+$3K	$24,918 +2.7% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	75%
CD Concentration	30.6% +26.0% YoY+0.8% QoQ	+6.3%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#58 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 14.01%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (3)

Efficiency Drag

risk

#176 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: 90.70%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.30% points

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

worse than tier avg

Member Growth (YoY): -1.84%

(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 improving

Membership Headwinds

decline

#377 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): -1.84%

(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

Stagnation Risk

risk

#458 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): -1.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 13.55%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.92%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

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

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

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 (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 14.01%

Peer Median: 3.46%

#47 of 1070 Top 4.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.72%

Peer Median: 3.30%

#79 of 1070 Top 7.3% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.55%

Peer Median: 2.93%

#88 of 1070 Top 8.1% in 100M-500M tier

108

Fee Income Per Member

profitability

Value: $254.25

Peer Median: $154.95

#108 of 1070 Top 10.0% in 100M-500M tier

131

Asset Growth Rate

growth

Value: 9.27%

Peer Median: 3.91%

#131 of 1070 Top 12.1% in 100M-500M tier

253

Net Interest Margin (NIM)

profitability

Value: 4.06%

Peer Median: 3.62%

#253 of 1070 Top 23.6% in 100M-500M tier

257

Loan-to-Member Ratio (LMR)

engagement

Value: $12,070

Peer Median: $9,356

#257 of 1070 Top 23.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1042

Members Per Employee (MPE)

engagement

Value: 190.357

Peer Median: 309.176

#1042 of 1070 Bottom 2.7% in 100M-500M tier

962

Return on Assets (ROA)

profitability

Value: 0.06%

Peer Median: 0.69%

#962 of 1070 Bottom 10.2% in 100M-500M tier

922

Efficiency Ratio

profitability

Value: 90.70%

Peer Median: 78.68%

#922 of 1070 Bottom 13.9% in 100M-500M tier