BlastPoint's Credit Union Scorecard

MET TRAN

Charter #24324 · TX

<100M

2508 CUs in <100M nationally 237 in TX

MET TRAN has 3 strengths but faces 2 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

+ Net Interest Margin 1.24% above tier average
+ Members Per Employee (MPE): Top 4.3% in tier
+ Member Growth Rate: Top 8.7% in tier

Key Concerns

Areas that may need attention

- ROA 0.13% below tier average
- Net Charge-Off Rate: Bottom 6.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	2,854 +4.0% YoY+2.1% QoQ	+177	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	66%
Assets	$11.0M +1.7% YoY+2.2% QoQ	$-19.2M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	34%
Loans	$6.2M -8.1% YoY-3.0% QoQ	$-9.1M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	39%
Deposits	$9.3M +1.8% YoY+2.9% QoQ	$-16.5M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	34%

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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	0.0% -98.5% YoY-97.6% QoQ	-0.1%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	22%
NIM	5.2% +13.9% YoY+3.2% QoQ	+1.2%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 8.7% in tier
Efficiency Ratio	84.4% -14.2% YoY-1.4% QoQ	-6.2%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.1% -77.4% YoY-69.5% QoQ	-1.4	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	19%
Loan To Share	66.5% -9.7% YoY-5.7% QoQ	+8.0%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	62%
AMR	$5,421 -6.1% YoY-1.6% QoQ	$-9K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 10.1% in tier
CD Concentration	1.5% -35.5% YoY-2.6% QoQ	-22.8%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

108

Members Per Employee (MPE)

engagement

Value: 713.500

Peer Median: 333.750

#108 of 2508 Top 4.3% in <100M tier

217

Net Interest Margin (NIM)

profitability

Value: 5.25%

Peer Median: 3.83%

#217 of 2508 Top 8.6% in <100M tier

219

Member Growth Rate

growth

Value: 4.01%

Peer Median: -1.37%

#219 of 2508 Top 8.7% in <100M tier

476

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.65%

#476 of 2508 Top 18.9% in <100M tier

Top Weaknesses (5 metrics)

2344

Net Charge-Off Rate

risk

Value: 2.00%

Peer Median: 0.07%

#2344 of 2508 Bottom 6.6% in <100M tier

2254

Average Member Relationship (AMR)

engagement

Value: $5,421

Peer Median: $13,926

#2254 of 2508 Bottom 10.2% in <100M tier

2166

AMR Growth Rate

growth

Value: -6.13%

Peer Median: 1.27%

#2166 of 2508 Bottom 13.7% in <100M tier

2119

Loan-to-Member Ratio (LMR)

engagement

Value: $2,166

Peer Median: $4,923

#2119 of 2508 Bottom 15.6% in <100M tier

1959

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: 0.61%

#1959 of 2508 Bottom 21.9% in <100M tier