BlastPoint's Credit Union Scorecard

MEMBERS EXCHANGE

Charter #24952 · MS

1069 CUs in 100M-500M nationally 12 in MS

MEMBERS EXCHANGE has 7 strengths but faces 12 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

+ Wallet Share Momentum: Top 22.5% 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 13.4% in tier
- Membership Headwinds: Bottom 19.9% in tier
- Stagnation Risk: Bottom 54.2% in tier
- Margin Compression: Bottom 64.8% in tier
- Credit Quality Pressure: Bottom 88.8% in tier
- Efficiency Drag: Bottom 92.0% in tier
- Credit Risk Growth: Bottom 93.8% in tier
- Efficiency ratio 4.22% above tier (higher cost structure)
- Member decline: -5.6% YoY
- Loan-to-Member Ratio (LMR): Bottom 8.0% in tier
- Average Member Relationship (AMR): Bottom 8.1% in tier
- Member Growth Rate: Bottom 8.6% in tier

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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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

growth

#116 of 513 • Top 22.5% in tier

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

Why This Signature

AMR Growth (YoY): 11.00%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (7)

Liquidity Overhang

risk

#19 of 135 • Bottom 13.4% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 21.35%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 59.04%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Membership Headwinds

decline

#111 of 554 • Bottom 19.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.58%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#301 of 554 • Bottom 54.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.58%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.30%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Margin Compression

decline

#80 of 123 • Bottom 64.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.10%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.29%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Credit Quality Pressure

risk

#626 of 705 • Bottom 88.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk

#495 of 538 • Bottom 92.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.24%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -5.58%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Credit Risk Growth

risk

#428 of 456 • Bottom 93.8% in tier

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

Why This Signature

Loan Growth (YoY): 3.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (6 metrics)

Net Worth Ratio

risk

Value: 21.35%

Peer Median: -

#27 of 1069 Top 2.4% in 100M-500M tier

Fee Income Per Member

profitability

Value: $316.28

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.81%

Peer Median: -

#58 of 1069 Top 5.3% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.00%

Peer Median: -

#93 of 1069 Top 8.6% in 100M-500M tier

150

Net Interest Margin (NIM)

profitability

Value: 4.32%

Peer Median: -

#150 of 1069 Top 13.9% in 100M-500M tier

171

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: -

#171 of 1069 Top 15.9% in 100M-500M tier

Top Weaknesses (7 metrics)

985

Loan-to-Member Ratio (LMR)

engagement

Value: $5,411

Peer Median: -

#985 of 1069 Bottom 8.0% in 100M-500M tier

983

Average Member Relationship (AMR)

engagement

Value: $14,575

Peer Median: -

#983 of 1069 Bottom 8.1% in 100M-500M tier

978

Member Growth Rate

growth

Value: -5.58%

Peer Median: -

#978 of 1069 Bottom 8.6% in 100M-500M tier

939

Total Loans

balance_sheet

Value: $63.86M

Peer Median: -

#939 of 1069 Bottom 12.3% in 100M-500M tier

892

Total Deposits

balance_sheet

Value: $108.16M

Peer Median: -

#892 of 1069 Bottom 16.7% in 100M-500M tier

867

Share Certificate Concentration (%)

balance_sheet

Value: 33.55%

Peer Median: -

#867 of 1069 Bottom 19.0% in 100M-500M tier

844

Loan-to-Share Ratio

balance_sheet

Value: 59.04%

Peer Median: -

#844 of 1069 Bottom 21.1% in 100M-500M tier