BlastPoint's Credit Union Scorecard

MIRASTAR

Charter #24299 · CA

Mid-Market 1B-3B

Mirastar at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Mirastar is one of 101 credit unions in the 2026 VentureTech card set. We also found Mirastar's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Mirastar

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MIRASTAR
PEER · AT VENTURETECH
PEER · AT VENTURETECH
MIRASTAR'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 37 in CA

View Mid-Market leaderboard →

MIRASTAR has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 18.0% in tier
+ Wallet Share Momentum: Top 25.0% in tier
+ Net Interest Margin 0.49% above tier average
+ Strong member growth: 5.5% YoY
+ Loan Growth Rate: Top 3.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.8% in tier
- Credit Quality Pressure: Bottom 25.5% in tier
- ROA 0.28% below tier average
- Efficiency ratio 5.36% above tier (higher cost structure)
- Delinquency rate 0.16% above tier average
- Total Assets: Bottom 5.3% in tier
- Total Loans: Bottom 5.3% in tier
- Total Members: Bottom 7.0% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	50,171 +5.5% YoY-0.1% QoQ	-46.7K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 6.7% in tier
Assets	$1.0B +7.2% YoY+0.2% QoQ	$-685.8M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Bottom 5.0% in tier
Loans	$657.3M +18.3% YoY+3.0% QoQ	$-577.0M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 5.0% in tier
Deposits	$941.3M +8.1% YoY+2.9% QoQ	$-522.0M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Bottom 11.7% in tier

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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% +15.7% YoY+1.2% QoQ	-0.3%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	26%
NIM	3.9% +0.5% YoY-0.9% QoQ	+0.5%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	80%
Efficiency Ratio	78.4% -3.3% YoY-0.0% QoQ	+5.4%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	71%
Delinquency Rate	1.0% +17.0% YoY+2.9% QoQ	+0.2	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	72%
Loan To Share	69.8% +9.4% YoY+0.1% QoQ	-14.9%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 14.7% in tier
AMR	$31,863 +6.2% YoY+3.0% QoQ	+$2K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	71%
CD Concentration	27.1% +30.6% YoY+9.0% QoQ	-2.0%	29.1%	22.2%	20.0%	42%
Indirect Auto %	3.4% -43.4% YoY-12.1% QoQ	-14.7%	18.1%	9.2%	7.7%	21%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#24 of 112 • Top 18.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.53%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 3.42%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#57 of 113 • Top 18.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.53%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.54%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 3.42%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Emerging Performer

growth

#54 of 82 • Top 75.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.54%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 5.53%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Wallet Share Momentum

growth

#93 of 125 • Top 25.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.24%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#18 of 170 • Bottom 4.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 18.34%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Credit Quality Pressure

risk

#95 of 215 • Bottom 25.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 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 300 peers in tier

Top Strengths (6 metrics)

Loan Growth Rate

growth

Value: 18.34%

Peer Median: 5.71%

#12 of 300 Top 3.7% in 1B-3B tier

Member Growth Rate

growth

Value: 5.53%

Peer Median: 1.84%

#47 of 300 Top 15.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.91%

Peer Median: 3.46%

#60 of 300 Top 19.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.42%

Peer Median: 14.26%

#69 of 300 Top 22.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.15%

Peer Median: 4.79%

#73 of 300 Top 24.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.24%

Peer Median: 3.19%

#76 of 300 Top 25.0% in 1B-3B tier

Top Weaknesses (5 metrics)

285

Total Assets

balance_sheet

Value: $1.04B

Peer Median: $1.51B

#285 of 300 Bottom 5.3% in 1B-3B tier

285

Total Loans

balance_sheet

Value: $657.28M

Peer Median: $1.14B

#285 of 300 Bottom 5.3% in 1B-3B tier

280

Total Members

engagement

Value: 50,171

Peer Median: 86,516

#280 of 300 Bottom 7.0% in 1B-3B tier

265

Total Deposits

balance_sheet

Value: $941.30M

Peer Median: $1.30B

#265 of 300 Bottom 12.0% in 1B-3B tier

256

Loan-to-Share Ratio

balance_sheet

Value: 69.83%

Peer Median: 87.07%

#256 of 300 Bottom 15.0% in 1B-3B tier