BlastPoint's Credit Union Scorecard

MEMBERS EXCHANGE

Charter #24952 · MS

100M-500M

1070 CUs in 100M-500M nationally 10 in MS

MEMBERS EXCHANGE has 7 strengths but faces 8 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 50.0% in tier
+ Net Interest Margin 0.37% above tier average
+ Net Worth Ratio: Top 2.5% in tier
+ First Mortgage Concentration (%): Top 5.1% in tier
+ Fee Income Per Member: Top 5.3% in tier
+ AMR Growth Rate: Top 8.3% in tier
+ Total Delinquency Rate (60+ days): Top 9.1% 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
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 6.21% above tier (higher cost structure)
- Member decline: -5.9% YoY
- Member Growth Rate: Bottom 7.9% in tier
- Average Member Relationship (AMR): Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	11,611 -5.9% YoY-1.6% QoQ	-3.5K	15,145 -2.5% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	42%
Assets	$143.5M +3.3% YoY+2.4% QoQ	$-88.2M	$231.7M +0.8% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	28%
Loans	$63.8M +5.0% YoY-0.0% QoQ	$-80.3M	$144.1M +0.2% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	Bottom 13.1% in tier
Deposits	$110.5M +3.2% YoY+2.2% QoQ	$-90.6M	$201.1M +0.4% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	18%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -25.1% YoY-35.3% QoQ	+0.0%	0.7% +5.1% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	52%
NIM	4.0% -6.8% YoY-7.3% QoQ	+0.4%	3.6% +4.6% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	84.2% +0.2% YoY+3.7% QoQ	+6.2%	78.0% -1.7% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	0.1% -6.5% YoY-55.4% QoQ	-0.6	0.8% +7.1% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	Top 9.1% in tier
Loan To Share	57.8% +1.8% YoY-2.2% QoQ	-12.7%	70.4% -0.4% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	22%
AMR	$15,018 +10.3% YoY+3.0% QoQ	$-10K	$24,918 +2.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	Bottom 9.1% in tier
CD Concentration	33.9% +4.0% YoY+1.1% QoQ	+9.6%	24.3%	19.6%	19.8%	50%
Indirect Auto %	4.3% -4.5% YoY-0.3% QoQ	-9.5%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#114 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 10.28%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Liquidity Overhang

risk

#21 of 126 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 21.03%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 57.76%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Membership Headwinds

decline

#100 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#356 of 570 • Bottom 50.0% 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): -5.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.01%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.13%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#497 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 84.24%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -5.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (5 metrics)

Net Worth Ratio

risk

Value: 21.03%

Peer Median: 11.45%

#28 of 1070 Top 2.5% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.22%

Peer Median: 29.47%

#56 of 1070 Top 5.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $291.94

Peer Median: $154.95

#58 of 1070 Top 5.3% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.28%

Peer Median: 3.46%

#90 of 1070 Top 8.3% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.61%

#98 of 1070 Top 9.1% in 100M-500M tier

Top Weaknesses (7 metrics)

987

Member Growth Rate

growth

Value: -5.85%

Peer Median: -0.06%

#987 of 1070 Bottom 7.9% in 100M-500M tier

973

Average Member Relationship (AMR)

engagement

Value: $15,018

Peer Median: $22,931

#973 of 1070 Bottom 9.2% in 100M-500M tier

970

Loan-to-Member Ratio (LMR)

engagement

Value: $5,499

Peer Median: $9,356

#970 of 1070 Bottom 9.4% in 100M-500M tier

930

Total Loans

balance_sheet

Value: $63.84M

Peer Median: $121.41M

#930 of 1070 Bottom 13.2% in 100M-500M tier

883

Total Deposits

balance_sheet

Value: $110.53M

Peer Median: $171.29M

#883 of 1070 Bottom 17.6% in 100M-500M tier

883

Share Certificate Concentration (%)

balance_sheet

Value: 33.92%

Peer Median: 23.10%

#883 of 1070 Bottom 17.6% in 100M-500M tier

829

Loan-to-Share Ratio

balance_sheet

Value: 57.76%

Peer Median: 71.88%

#829 of 1070 Bottom 22.6% in 100M-500M tier