BlastPoint's Credit Union Scorecard

MCBRYDE

Charter #2713 · HI

1069 CUs in 100M-500M nationally 14 in HI

MCBRYDE has 8 strengths but faces 17 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 98.5% in tier
+ ROA 0.12% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 0.7% in tier
+ Efficiency Ratio: Top 1.4% in tier
+ Members Per Employee (MPE): Top 1.6% in tier
+ Net Charge-Off Rate: Top 2.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.8% in tier
- Credit Quality Pressure: Bottom 24.7% in tier
- Stagnation Risk: Bottom 28.8% in tier
- Margin Compression: Bottom 82.0% in tier
- Institutional Decline: Bottom 82.0% in tier
- Membership Headwinds: Bottom 95.1% in tier
- Delinquency rate 3.62% above tier average
- Total Loans: Bottom 0.3% in tier
- Fee Income Per Member: Bottom 0.4% in tier
- Total Deposits: Bottom 0.4% in tier
- Loan-to-Share Ratio: Bottom 0.4% in tier
- Total Members: Bottom 0.5% in tier
- Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- Loan Growth Rate: Bottom 1.1% in tier
- Total Assets: Bottom 1.7% in tier
- Net Interest Margin (NIM): Bottom 1.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 7.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	3,174 -0.7% YoY-0.8% QoQ	-12.3K	15,437 -2.9% YoY	19,461 +2.6% YoY	33,374 +5.7% YoY	Bottom 0.4% in tier
Assets	$102.4M +6.1% YoY+0.5% QoQ	$-129.4M	$231.9M +1.3% YoY	$378.0M +8.3% YoY	$561.6M +9.7% YoY	Bottom 1.6% in tier
Loans	$16.5M -12.7% YoY-2.0% QoQ	$-130.9M	$147.3M -0.1% YoY	$192.6M +6.6% YoY	$397.0M +8.8% YoY	Bottom 0.2% in tier
Deposits	$78.0M +3.7% YoY+0.4% QoQ	$-122.8M	$200.8M +0.8% YoY	$334.4M +8.0% YoY	$477.3M +9.7% YoY	Bottom 0.3% in tier

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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	0.9% -20.8% YoY-22.5% QoQ	+0.1%	0.8% +18.2% YoY	0.8% +46.9% YoY	0.7% +15.9% YoY	60%
NIM	1.9% -4.7% YoY-12.9% QoQ	-1.7%	3.6% +6.7% YoY	3.1% +6.7% YoY	3.8% +5.1% YoY	Bottom 1.7% in tier
Efficiency Ratio	49.2% +7.3% YoY+14.0% QoQ	-27.8%	77.0% -3.1% YoY	73.8% -6.9% YoY	79.7% -3.3% YoY	Bottom 1.4% in tier
Delinquency Rate	4.5% +9.4% YoY+20.3% QoQ	+3.6	0.9% +4.2% YoY	1.2% -2.0% YoY	1.3% -2.1% YoY	Top 0.7% in tier
Loan To Share	21.1% -15.8% YoY-2.4% QoQ	-51.1%	72.2% -1.1% YoY	54.4% -2.4% YoY	67.4% -1.7% YoY	Bottom 0.3% in tier
AMR	$29,761 +1.1% YoY+0.7% QoQ	+$5K	$24,676 +3.4% YoY	$23,250 +4.8% YoY	$19,687 +2.0% YoY	82%
CD Concentration	0.0%	-24.4%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#264 of 268 • Top 98.5% 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): 1.14%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $1.2K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (6)

Liquidity Overhang

risk

#2 of 135 • Bottom 0.8% in tier

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

Why This Signature

Net Worth Ratio: 26.38%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 21.11%

(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 | New qualifier

Credit Quality Pressure

risk

#175 of 705 • Bottom 24.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.39% 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 | New qualifier

Stagnation Risk

risk

#160 of 554 • Bottom 28.8% 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): -0.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -12.69%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 4.51%

(Tier: 0.89%, National: 1.28%)

worse 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

#101 of 123 • Bottom 82.0% 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: 0.89%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.12%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.23% 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

Institutional Decline

decline

#197 of 240 • Bottom 82.0% in tier

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

Why This Signature

Total Assets: $102.44M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -0.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -12.69%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline

#527 of 554 • Bottom 95.1% in tier

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

Why This Signature

Member Growth (YoY): -0.72%

(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

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 (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 26.38%

Peer Median: -

#8 of 1069 Top 0.7% in 100M-500M tier

Efficiency Ratio

profitability

Value: 49.22%

Peer Median: -

#16 of 1069 Top 1.4% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 634.800

Peer Median: -

#18 of 1069 Top 1.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: -

#28 of 1069 Top 2.5% in 100M-500M tier

131

First Mortgage Concentration (%)

balance_sheet

Value: 9.55%

Peer Median: -

#131 of 1069 Top 12.2% in 100M-500M tier

197

Average Member Relationship (AMR)

engagement

Value: $29,761

Peer Median: -

#197 of 1069 Top 18.3% in 100M-500M tier

Top Weaknesses (10 metrics)

1067

Total Loans

balance_sheet

Value: $16.47M

Peer Median: -

#1067 of 1069 Bottom 0.3% in 100M-500M tier

1066

Fee Income Per Member

profitability

Value: $6.48

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1066

Total Deposits

balance_sheet

Value: $78.00M

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1066

Loan-to-Share Ratio

balance_sheet

Value: 21.11%

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1065

Total Members

engagement

Value: 3,174

Peer Median: -

#1065 of 1069 Bottom 0.5% in 100M-500M tier

1062

Total Delinquency Rate (60+ days)

risk

Value: 4.51%

Peer Median: -

#1062 of 1069 Bottom 0.7% in 100M-500M tier

1058

Loan Growth Rate

growth

Value: -12.69%

Peer Median: -

#1058 of 1069 Bottom 1.1% in 100M-500M tier

1052

Total Assets

balance_sheet

Value: $102.44M

Peer Median: -

#1052 of 1069 Bottom 1.7% in 100M-500M tier

1051

Net Interest Margin (NIM)

profitability

Value: 1.91%

Peer Median: -

#1051 of 1069 Bottom 1.8% in 100M-500M tier

995

Loan-to-Member Ratio (LMR)

engagement

Value: $5,188

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier