BlastPoint's Credit Union Scorecard

MCBRYDE

Charter #2713 · HI

100M-500M

1024 CUs in 100M-500M nationally 15 in HI

MCBRYDE has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.34% above tier average
+ Net Worth Ratio: Top 0.7% in tier
+ Efficiency Ratio: Top 1.0% in tier
+ Members Per Employee (MPE): Top 1.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Delinquency rate 0.82% above tier average
- Total Deposits: Bottom 0.2% in tier
- Fee Income Per Member: Bottom 0.4% in tier
- Total Loans: Bottom 0.4% in tier

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 15 that size in Hawaii.
Shares and deposits +2.0% year over year ($78.3M in shares and deposits).
Membership: 3,165 members, -1.0% vs a year ago.
Delinquency rate 1.70%.
Return on assets 1.21%.
Efficiency ratio 45.39% vs a 76.73% peer average.
Loan-to-share ratio 20.68% 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 (HI)	National Avg	Tier Percentile
Members	3,165 -1.0% YoY-0.1% QoQ	-12.0K	15,168 -2.6% YoY	19,590 +0.5% YoY	34,678 +6.6% YoY	Bottom 0.6% in tier
Assets	$102.7M +3.1% YoY+0.4% QoQ	$-129.3M	$232.0M +0.7% YoY	$386.0M +4.8% YoY	$593.1M +10.2% YoY	Bottom 1.9% in tier
Loans	$16.2M -6.7% YoY+2.8% QoQ	$-130.1M	$146.3M +0.2% YoY	$197.3M +5.5% YoY	$418.6M +10.1% YoY	Bottom 0.3% in tier
Deposits	$78.3M +2.0% YoY+0.4% QoQ	$-122.4M	$200.7M +0.2% YoY	$341.6M +4.3% YoY	$504.8M +10.3% YoY	Bottom 0.1% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.2% +19.8% YoY+1.3% QoQ	+0.3%	0.9% +12.5% YoY	1.0% +38.1% YoY	1.2% +121.4% YoY	77%
NIM	2.3% +4.2% YoY-1.5% QoQ	-1.4%	3.7% +4.5% YoY	3.2% +7.0% YoY	3.8% +2.3% YoY	Bottom 2.0% in tier
Efficiency Ratio	45.4% +3.4% YoY-3.4% QoQ	-31.3%	76.7% -0.8% YoY	73.0% -3.2% YoY	83.0% -5.3% YoY	Top 1.0% in tier
Delinquency Rate	1.7% -63.8% YoY-54.3% QoQ	+0.8	0.9% +6.6% YoY	1.3% -1.1% YoY	1.3% +2.6% YoY	Bottom 11.0% in tier
Loan To Share	20.7% -8.5% YoY+2.4% QoQ	-50.9%	71.5% -0.3% YoY	53.4% -3.2% YoY	66.4% -1.4% YoY	Bottom 0.6% in tier
AMR	$29,845 +1.4% YoY+0.9% QoQ	+$5K	$25,107 +3.2% YoY	$23,604 +3.8% YoY	$20,028 -0.9% YoY	79%
CD Concentration	0.0%	-24.6%	24.6%	25.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	4.8%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#250 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.44%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $1.4K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (4)

Liquidity Overhang

risk

#2 of 130 • 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: 26.92%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 20.68%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | New qualifier

Stagnation Risk

risk

#159 of 549 • 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): -1.03%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.69%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.70%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#456 of 549 • 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): -1.03%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#207 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $102.71M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.03%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.69%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.39%

#1 of 1024 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 26.92%

Peer Median: 11.71%

#8 of 1024 Top 0.7% in 100M-500M tier

Efficiency Ratio

profitability

Value: 45.39%

Peer Median: 77.26%

#11 of 1024 Top 1.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 633.000

Peer Median: 310.924

#17 of 1024 Top 1.6% in 100M-500M tier

113

First Mortgage Concentration (%)

balance_sheet

Value: 9.31%

Peer Median: 29.92%

#113 of 1024 Top 10.9% in 100M-500M tier

217

Average Member Relationship (AMR)

engagement

Value: $29,845

Peer Median: $23,006

#217 of 1024 Top 21.1% in 100M-500M tier

240

Return on Assets (ROA)

profitability

Value: 1.21%

Peer Median: 0.75%

#240 of 1024 Top 23.3% in 100M-500M tier

Top Weaknesses (11 metrics)

1023

Total Deposits

balance_sheet

Value: $78.27M

Peer Median: $170.77M

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1021

Fee Income Per Member

profitability

Value: $6.80

Peer Median: $159.88

#1021 of 1024 Bottom 0.4% in 100M-500M tier

1021

Total Loans

balance_sheet

Value: $16.18M

Peer Median: $124.04M

#1021 of 1024 Bottom 0.4% in 100M-500M tier

1018

Loan-to-Share Ratio

balance_sheet

Value: 20.68%

Peer Median: 73.07%

#1018 of 1024 Bottom 0.7% in 100M-500M tier

1018

Total Members

engagement

Value: 3,165

Peer Median: 13,128

#1018 of 1024 Bottom 0.7% in 100M-500M tier

1005

Total Assets

balance_sheet

Value: $102.71M

Peer Median: $196.38M

#1005 of 1024 Bottom 2.0% in 100M-500M tier

1004

Net Interest Margin (NIM)

profitability

Value: 2.28%

Peer Median: 3.67%

#1004 of 1024 Bottom 2.1% in 100M-500M tier

965

Loan Growth Rate

growth

Value: -6.69%

Peer Median: 3.02%

#965 of 1024 Bottom 5.9% in 100M-500M tier

959

Loan-to-Member Ratio (LMR)

engagement

Value: $5,114

Peer Median: $9,434

#959 of 1024 Bottom 6.4% in 100M-500M tier

912

Total Delinquency Rate (60+ days)

risk

Value: 1.70%

Peer Median: 0.71%

#912 of 1024 Bottom 11.0% in 100M-500M tier