BlastPoint's Credit Union Scorecard

MEMBERS EXCHANGE

Charter #24952 · MS

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

MEMBERS EXCHANGE has 8 strengths but faces 10 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 21.9% in tier
+ Credit Quality Leader: Top 42.5% in tier
+ ROA 0.24% above tier average
+ Net Interest Margin 0.72% above tier average
+ Net Worth Ratio: Top 2.2% in tier
+ Fee Income Per Member: Top 4.7% in tier
+ First Mortgage Concentration (%): Top 4.9% in tier
+ AMR Growth Rate: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 6.2% in tier
- Stagnation Risk: Bottom 7.5% in tier
- Liquidity Overhang: Bottom 12.8% in tier
- Margin Compression: Bottom 21.2% in tier
- Efficiency Drag: Bottom 26.7% in tier
- Efficiency ratio 5.46% above tier (higher cost structure)
- Member decline: -5.5% YoY
- Average Member Relationship (AMR): Bottom 7.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
- Member Growth Rate: Bottom 8.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	12,070 -5.5% YoY-1.8% QoQ	-3.6K	15,628 -3.4% YoY	14,577 +18.5% YoY	33,089 +6.1% YoY	42%
Assets	$138.2M +4.5% YoY-1.7% QoQ	$-93.1M	$231.3M -0.0% YoY	$171.7M +26.4% YoY	$547.7M +7.8% YoY	25%
Loans	$64.8M +2.7% YoY+2.6% QoQ	$-83.0M	$147.8M -1.4% YoY	$115.7M +25.1% YoY	$388.7M +8.6% YoY	Bottom 12.1% in tier
Deposits	$106.4M +5.5% YoY-1.8% QoQ	$-93.8M	$200.3M -0.0% YoY	$135.7M +26.5% YoY	$464.6M +9.3% YoY	16%

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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	1.0% -21.2% YoY-2.9% QoQ	+0.2%	0.8% +15.5% YoY	0.9% +335.0% YoY	0.7% +273.4% YoY	67%
NIM	4.3% -3.3% YoY+1.4% QoQ	+0.7%	3.6% +6.9% YoY	4.4% +3.2% YoY	3.7% +5.0% YoY	Top 13.6% in tier
Efficiency Ratio	82.7% +5.7% YoY+0.4% QoQ	+5.5%	77.3% -3.0% YoY	78.7% -9.5% YoY	79.1% -3.3% YoY	70%
Delinquency Rate	0.2% -18.9% YoY+2.5% QoQ	-0.6	0.9% +7.6% YoY	1.7% -11.9% YoY	1.2% -0.9% YoY	Bottom 11.7% in tier
Loan To Share	60.9% -2.7% YoY+4.5% QoQ	-11.8%	72.7% -1.5% YoY	68.6% -0.4% YoY	68.0% -1.7% YoY	23%
AMR	$14,188 +10.6% YoY+1.6% QoQ	$-10K	$24,363 +2.9% YoY	$12,163 +4.6% YoY	$19,418 +1.3% YoY	Bottom 7.1% in tier
CD Concentration	33.5% +8.3% YoY+2.3% QoQ	+9.1%	24.4% +4.2% YoY	19.3% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	4.9% -12.8% YoY+13.1% QoQ	-9.1%	14.0% -5.7% YoY	2.5% +12.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#106 of 481 • Top 21.9% in tier

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

Why This Signature

AMR Growth (YoY): 10.57%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Credit Quality Leader

growth

#145 of 340 • Top 42.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.21%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.05% points

(Tier: 0.04% points, National: 0.07% 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 (5)

Membership Headwinds

decline

#103 of 550 • Bottom 6.2% in tier

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

Why This Signature

Member Growth (YoY): -5.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#124 of 550 • Bottom 7.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.69%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.21%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk

#18 of 134 • Bottom 12.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 21.35%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 60.88%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

Margin Compression

decline

#90 of 136 • Bottom 21.2% 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: 1.03%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.31%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.28% points

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

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Efficiency Drag

risk

#471 of 521 • Bottom 26.7% in tier

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

Why This Signature

Efficiency Ratio: 82.74%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.28% points

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

worse than tier avg

Member Growth (YoY): -5.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | 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 1077 peers in tier

Top Strengths (6 metrics)

Net Worth Ratio

risk

Value: 21.35%

Peer Avg: -

#25 of 1077 Top 2.2% in 100M-500M tier

Fee Income Per Member

profitability

Value: $307.61

Peer Avg: -

#52 of 1077 Top 4.7% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.01%

Peer Avg: -

#54 of 1077 Top 4.9% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.57%

Peer Avg: -

#85 of 1077 Top 7.8% in 100M-500M tier

127

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Avg: -

#127 of 1077 Top 11.7% in 100M-500M tier

147

Net Interest Margin (NIM)

profitability

Value: 4.31%

Peer Avg: -

#147 of 1077 Top 13.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1001

Average Member Relationship (AMR)

engagement

Value: $14,188

Peer Avg: -

#1001 of 1077 Bottom 7.1% in 100M-500M tier

991

Loan-to-Member Ratio (LMR)

engagement

Value: $5,369

Peer Avg: -

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

986

Member Growth Rate

growth

Value: -5.55%

Peer Avg: -

#986 of 1077 Bottom 8.5% in 100M-500M tier

947

Total Loans

balance_sheet

Value: $64.80M

Peer Avg: -

#947 of 1077 Bottom 12.2% in 100M-500M tier

910

Total Deposits

balance_sheet

Value: $106.44M

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier

873

Share Certificate Concentration (%)

balance_sheet

Value: 33.52%

Peer Avg: -

#873 of 1077 Bottom 19.0% in 100M-500M tier

827

Loan-to-Share Ratio

balance_sheet

Value: 60.88%

Peer Avg: -

#827 of 1077 Bottom 23.3% in 100M-500M tier