BlastPoint's Credit Union Scorecard

MIL-WAY

Charter #24197 · AR

100M-500M

1070 CUs in 100M-500M nationally 3 in AR

MIL-WAY has 1 strength 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

+ Total Delinquency Rate (60+ days): Top 2.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.10% below tier average
- Efficiency ratio 4.13% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	12,811 -0.0% YoY-0.2% QoQ	-2.3K	15,145 -2.5% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	48%
Assets	$190.0M +5.6% YoY+1.1% QoQ	$-41.8M	$231.7M +0.8% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	48%
Loans	$90.4M +0.8% YoY+0.0% QoQ	$-53.8M	$144.1M +0.2% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	31%
Deposits	$169.4M +5.6% YoY+1.1% QoQ	$-31.7M	$201.1M +0.4% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	49%

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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	0.6% +71.4% YoY+23.2% QoQ	-0.1%	0.7% +5.1% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	44%
NIM	2.9% +5.4% YoY+3.8% QoQ	-0.8%	3.6% +4.6% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	Bottom 10.4% in tier
Efficiency Ratio	82.2% -6.9% YoY-2.9% QoQ	+4.1%	78.0% -1.7% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	0.0% -79.4% YoY-48.4% QoQ	-0.7	0.8% +7.1% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	Top 2.1% in tier
Loan To Share	53.4% -4.6% YoY-1.1% QoQ	-17.1%	70.4% -0.4% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	15%
AMR	$20,281 +3.9% YoY+0.9% QoQ	$-5K	$24,918 +2.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	34%
CD Concentration	33.3% +1.7% YoY+0.3% QoQ	+9.0%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Efficiency Drag

risk

#289 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: 82.16%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.26% points

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

but better than tier avg

Member Growth (YoY): -0.05%

(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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

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

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: 0.61%

#23 of 1070 Top 2.1% in 100M-500M tier

167

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.35%

#167 of 1070 Top 15.5% in 100M-500M tier

Top Weaknesses (4 metrics)

959

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: 3.62%

#959 of 1070 Bottom 10.5% in 100M-500M tier

905

Loan-to-Share Ratio

balance_sheet

Value: 53.36%

Peer Median: 71.88%

#905 of 1070 Bottom 15.5% in 100M-500M tier

863

Share Certificate Concentration (%)

balance_sheet

Value: 33.30%

Peer Median: 23.10%

#863 of 1070 Bottom 19.4% in 100M-500M tier

813

Loan-to-Member Ratio (LMR)

engagement

Value: $7,056

Peer Median: $9,356

#813 of 1070 Bottom 24.1% in 100M-500M tier