BlastPoint's Credit Union Scorecard
MCBRYDE
Charter #2713 · HI
MCBRYDE has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.47% above tier average
- + Net Worth Ratio: Top 0.6% in tier
- + Efficiency Ratio: Top 1.4% in tier
- + Members Per Employee (MPE): Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 2.94% above tier average
- - Total Deposits: Bottom 0.3% in tier
- - Total Loans: Bottom 0.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,168
-1.1% YoY-0.2% QoQ
|
-12.0K |
15,145
-2.5% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 0.6% in tier |
| Assets |
$102.3M
+3.6% YoY-0.1% QoQ
|
$-129.4M |
$231.7M
+0.8% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.2% in tier |
| Loans |
$15.7M
-10.0% YoY-4.4% QoQ
|
$-128.4M |
$144.1M
+0.2% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.3% in tier |
| Deposits |
$78.0M
+2.4% YoY-0.0% QoQ
|
$-123.2M |
$201.1M
+0.4% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.2% in tier |
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| ROA |
1.2%
+11.0% YoY+34.5% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
2.3%
+5.1% YoY+21.4% QoQ
|
-1.3% |
3.6%
+4.6% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
47.0%
+1.7% YoY-4.5% QoQ
|
-31.0% |
78.0%
-1.7% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
Top 1.4% in tier |
| Delinquency Rate |
3.7%
+2.1% YoY-17.8% QoQ
|
+2.9 |
0.8%
+7.1% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.0% in tier |
| Loan To Share |
20.2%
-12.1% YoY-4.4% QoQ
|
-50.2% |
70.4%
-0.4% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.5% in tier |
| AMR |
$29,585
+1.2% YoY-0.6% QoQ
|
+$5K |
$24,918
+2.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)