BlastPoint's Credit Union Scorecard

MUTUAL

Charter #24948 · MS

1077 CUs in 100M-500M nationally 12 in MS

MUTUAL has 14 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 1.1% in tier
+ Profitability Leader: Top 74.6% in tier
+ ROA 0.46% above tier average
+ Net Interest Margin 0.39% above tier average
+ Strong member growth: 75.9% YoY
+ Member Growth Rate: Top 0.1% in tier
+ Loan Growth Rate: Top 0.1% in tier
+ Asset Growth Rate: Top 0.3% in tier
+ Deposit Growth Rate: Top 0.3% in tier
+ Total Deposits: Top 0.5% in tier
+ Total Assets: Top 0.8% in tier
+ Total Members: Top 0.9% in tier
+ Fee Income Per Member: Top 6.1% in tier
+ Total Loans: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 3.7% in tier
- AMR Growth Rate: Bottom 2.8% in tier
- Net Charge-Off Rate: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	43,075 +75.9% YoY+0.5% QoQ	+27.4K	15,628 -3.4% YoY	14,577 +18.5% YoY	33,089 +6.1% YoY	Top 1.0% in tier
Assets	$491.4M +58.4% YoY+0.9% QoQ	+$260.1M	$231.3M -0.0% YoY	$171.7M +26.4% YoY	$547.7M +7.8% YoY	Top 0.9% in tier
Loans	$281.5M +77.8% YoY+6.3% QoQ	+$133.7M	$147.8M -1.4% YoY	$115.7M +25.1% YoY	$388.7M +8.6% YoY	Top 8.7% in tier
Deposits	$430.2M +55.2% YoY+0.4% QoQ	+$229.9M	$200.3M -0.0% YoY	$135.7M +26.5% YoY	$464.6M +9.3% YoY	Top 0.6% in tier

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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	1.3% +17.3% YoY+14.0% QoQ	+0.5%	0.8% +15.5% YoY	0.9% +335.0% YoY	0.7% +273.4% YoY	80%
NIM	4.0% +11.3% YoY+2.3% QoQ	+0.4%	3.6% +6.9% YoY	4.4% +3.2% YoY	3.7% +5.0% YoY	72%
Efficiency Ratio	71.6% +2.9% YoY-1.4% QoQ	-5.7%	77.3% -3.0% YoY	78.7% -9.5% YoY	79.1% -3.3% YoY	30%
Delinquency Rate	0.7% -49.8% YoY-25.7% QoQ	-0.1	0.9% +7.6% YoY	1.7% -11.9% YoY	1.2% -0.9% YoY	55%
Loan To Share	65.4% +14.5% YoY+5.9% QoQ	-7.3%	72.7% -1.5% YoY	68.6% -0.4% YoY	68.0% -1.7% YoY	32%
AMR	$16,521 -7.1% YoY+2.1% QoQ	$-8K	$24,363 +2.9% YoY	$12,163 +4.6% YoY	$19,418 +1.3% YoY	16%
CD Concentration	22.8% +11.4% YoY+3.3% QoQ	-1.7%	24.4% +4.2% YoY	19.3% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	5.4% +165.8% QoQ	-8.6%	14.0% -5.7% YoY	2.5% +12.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#21 of 603 • Top 1.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 75.92%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.25%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 5.38%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth

#254 of 340 • Top 74.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.25%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (1)

Shrinking Wallet Share

decline

#38 of 244 • Bottom 3.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -7.09%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 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 1077 peers in tier

Top Strengths (10 metrics)

Member Growth Rate

growth

Value: 75.92%

Peer Avg: -

#2 of 1077 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 77.77%

Peer Avg: -

#2 of 1077 Top 0.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 58.38%

Peer Avg: -

#4 of 1077 Top 0.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 55.25%

Peer Avg: -

#4 of 1077 Top 0.3% in 100M-500M tier

Total Deposits

balance_sheet

Value: $430.15M

Peer Avg: -

#6 of 1077 Top 0.5% in 100M-500M tier

Total Assets

balance_sheet

Value: $491.36M

Peer Avg: -

#10 of 1077 Top 0.8% in 100M-500M tier

Total Members

engagement

Value: 43,075

Peer Avg: -

#11 of 1077 Top 0.9% in 100M-500M tier

Fee Income Per Member

profitability

Value: $293.02

Peer Avg: -

#67 of 1077 Top 6.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $281.49M

Peer Avg: -

#94 of 1077 Top 8.6% in 100M-500M tier

213

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1048

AMR Growth Rate

growth

Value: -7.09%

Peer Avg: -

#1048 of 1077 Bottom 2.8% in 100M-500M tier

991

Net Charge-Off Rate

risk

Value: 1.10%

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

903

Average Member Relationship (AMR)

engagement

Value: $16,521

Peer Avg: -

#903 of 1077 Bottom 16.2% in 100M-500M tier

879

Loan-to-Member Ratio (LMR)

engagement

Value: $6,535

Peer Avg: -

#879 of 1077 Bottom 18.5% in 100M-500M tier