BlastPoint's Credit Union Scorecard
MEMBERS EXCHANGE
Charter #24952 · MS
MEMBERS EXCHANGE has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.36% above tier average
- + Net Worth Ratio: Top 2.7% in tier
- + Fee Income Per Member: Top 4.0% in tier
- + First Mortgage Concentration (%): Top 4.8% 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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 9.07% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Mississippi.
- Shares and deposits +2.2% year over year ($111M in shares and deposits).
- Membership: 11,662 members, -5.1% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 0.73%.
- Efficiency ratio 85.80% vs a 76.73% peer average.
- Loan-to-share ratio 58.21% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,662
-5.1% YoY+0.4% QoQ
|
-3.5K |
15,168
-2.6% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$143.6M
+2.0% YoY+0.0% QoQ
|
$-88.5M |
$232.0M
+0.7% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$64.5M
+2.1% YoY+1.0% QoQ
|
$-81.8M |
$146.3M
+0.2% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.6% in tier |
| Deposits |
$110.7M
+2.2% YoY+0.2% QoQ
|
$-90.0M |
$200.7M
+0.2% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.7%
-31.2% YoY+2.1% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
4.0%
-4.8% YoY+1.0% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
85.8%
+4.2% YoY+1.9% QoQ
|
+9.1% |
76.7%
-0.8% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.4%
+79.9% YoY+173.6% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
58.2%
-0.1% YoY+0.8% QoQ
|
-13.3% |
71.5%
-0.3% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$15,024
+7.6% YoY+0.0% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.1% in tier |
| CD Concentration |
30.4%
-7.2% YoY-10.4% QoQ
|
+5.8% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % |
3.7%
-14.7% YoY-14.2% QoQ
|
-10.0% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)