BlastPoint's Credit Union Scorecard
MEMBERS FINANCIAL
Charter #4020 · TX
MEMBERS FINANCIAL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Asset Growth Rate: Top 2.1% in tier
- + Deposit Growth Rate: Top 2.1% in tier
- + Fee Income Per Member: Top 3.3% in tier
- + AMR Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.9% YoY
- - Share Certificate Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,318
-3.9% YoY0% QoQ
|
+692 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$33.8M
+18.6% YoY-1.5% QoQ
|
+$4.0M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$20.4M
-4.0% YoY+0.3% QoQ
|
+$4.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$30.0M
+19.9% YoY-2.3% QoQ
|
+$4.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
0.9%
+59.0% YoY-14.4% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
56% |
| NIM |
3.1%
-29.5% YoY+2.7% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
80.0%
-6.9% YoY+2.8% QoQ
|
-1.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.1%
-54.2% YoY-44.6% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
68.1%
-20.0% YoY+2.6% QoQ
|
+6.8% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$15,202
+13.4% YoY-1.3% QoQ
|
+$576 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
41.3%
+59.1% YoY+3.2% QoQ
|
+16.9% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-78.1% YoY-37.0% QoQ
|
-13.8% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)