BlastPoint's Credit Union Scorecard

MIL-WAY

Charter #24197 · AR

1069 CUs in 100M-500M nationally 4 in AR

MIL-WAY has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 89.4% in tier
+ Wallet Share Momentum: Top 95.5% in tier
+ Organic Growth Leader: Top 97.7% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 3.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.0% in tier
- ROA 0.25% below tier average
- Efficiency ratio 7.57% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	12,833 +0.6% YoY-0.1% QoQ	-2.6K	15,437 -2.9% YoY	7,878 +8.0% YoY	33,374 +5.7% YoY	47%
Assets	$187.9M +9.0% YoY+1.3% QoQ	$-44.0M	$231.9M +1.3% YoY	$108.7M +13.0% YoY	$561.6M +9.7% YoY	47%
Loans	$90.4M -0.4% YoY+0.1% QoQ	$-57.0M	$147.3M -0.1% YoY	$78.6M +14.7% YoY	$397.0M +8.8% YoY	29%
Deposits	$167.5M +9.4% YoY+1.2% QoQ	$-33.3M	$200.8M +0.8% YoY	$88.8M +14.2% YoY	$477.3M +9.7% YoY	48%

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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	0.5% +13.1% YoY+12.8% QoQ	-0.3%	0.8% +18.2% YoY	-0.1% -109.5% YoY	0.7% +15.9% YoY	32%
NIM	2.8% +1.4% YoY+0.7% QoQ	-0.8%	3.6% +6.7% YoY	4.2% +0.9% YoY	3.8% +5.1% YoY	Bottom 10.5% in tier
Efficiency Ratio	84.6% -0.7% YoY-2.6% QoQ	+7.6%	77.0% -3.1% YoY	86.1% +2.0% YoY	79.7% -3.3% YoY	77%
Delinquency Rate	0.1% -54.7% YoY+1393.9% QoQ	-0.8	0.9% +4.2% YoY	1.8% +15.7% YoY	1.3% -2.1% YoY	Bottom 3.4% in tier
Loan To Share	53.9% -9.0% YoY-1.1% QoQ	-18.3%	72.2% -1.1% YoY	73.6% -2.9% YoY	67.4% -1.7% YoY	Bottom 14.0% in tier
AMR	$20,095 +5.1% YoY+0.9% QoQ	$-5K	$24,676 +3.4% YoY	$12,676 +2.7% YoY	$19,687 +2.0% YoY	34%
CD Concentration	33.2% +2.4% YoY-5.0% QoQ	+8.8%	24.4%	15.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.5%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#532 of 595 • Top 89.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.58%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.51%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Wallet Share Momentum

growth

#490 of 513 • Top 95.5% in tier

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

Why This Signature

AMR Growth (YoY): 5.10%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Leader

growth

#416 of 426 • Top 97.7% in tier

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

Why This Signature

Member Growth (YoY): 0.58%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#76 of 538 • Bottom 14.0% in tier

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

Why This Signature

Efficiency Ratio: 84.59%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.06% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.58%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: -

#37 of 1069 Top 3.4% in 100M-500M tier

156

Deposit Growth Rate

growth

Value: 9.36%

Peer Median: -

#156 of 1069 Top 14.5% in 100M-500M tier

170

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: -

#170 of 1069 Top 15.8% in 100M-500M tier

188

Asset Growth Rate

growth

Value: 9.00%

Peer Median: -

#188 of 1069 Top 17.5% in 100M-500M tier

264

Members Per Employee (MPE)

engagement

Value: 377.441

Peer Median: -

#264 of 1069 Top 24.6% in 100M-500M tier

Top Weaknesses (5 metrics)

957

Net Interest Margin (NIM)

profitability

Value: 2.76%

Peer Median: -

#957 of 1069 Bottom 10.6% in 100M-500M tier

919

Loan-to-Share Ratio

balance_sheet

Value: 53.95%

Peer Median: -

#919 of 1069 Bottom 14.1% in 100M-500M tier

859

Share Certificate Concentration (%)

balance_sheet

Value: 33.18%

Peer Median: -

#859 of 1069 Bottom 19.7% in 100M-500M tier

828

Efficiency Ratio

profitability

Value: 84.59%

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier

818

Loan-to-Member Ratio (LMR)

engagement

Value: $7,042

Peer Median: -

#818 of 1069 Bottom 23.6% in 100M-500M tier