BlastPoint's Credit Union Scorecard
MEMBERS EXCHANGE
Charter #24952 · MS
MEMBERS EXCHANGE has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.72% above tier average
- + Net Worth Ratio: Top 2.4% in tier
- + Fee Income Per Member: Top 3.9% in tier
- + First Mortgage Concentration (%): Top 5.3% in tier
- + AMR Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency ratio 4.22% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,802
-5.6% YoY-2.2% QoQ
|
-3.6K |
15,437
-2.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$140.2M
+5.7% YoY+1.4% QoQ
|
$-91.7M |
$231.9M
+1.3% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$63.9M
+3.0% YoY-1.5% QoQ
|
$-83.5M |
$147.3M
-0.1% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.2% in tier |
| Deposits |
$108.2M
+5.9% YoY+1.6% QoQ
|
$-92.6M |
$200.8M
+0.8% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
1.1%
-14.7% YoY+7.2% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
4.3%
-3.6% YoY+0.3% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
81.2%
+3.3% YoY-1.8% QoQ
|
+4.2% |
77.0%
-3.1% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.3%
+13.5% YoY+43.9% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
59.0%
-2.7% YoY-3.0% QoQ
|
-13.2% |
72.2%
-1.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$14,575
+11.0% YoY+2.7% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.0% in tier |
| CD Concentration |
33.6%
+7.1% YoY+0.1% QoQ
|
+9.1% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
4.3%
-14.4% YoY-11.9% QoQ
|
-9.5% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)