BlastPoint's Credit Union Scorecard

KEESLER

Charter #5561 · MS

Large 5B-7B

Keesler at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Keesler is one of 101 credit unions in the 2026 VentureTech card set. We also found Keesler's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
Keesler
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39 CUs in 5B-7B nationally 1 in MS
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KEESLER has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.52% above tier average
  • + Strong member growth: 17.3% YoY
  • + Member Growth Rate: Top 0.1% in tier
  • + Asset Growth Rate: Top 0.1% in tier
  • + Deposit Growth Rate: Top 0.1% in tier
  • + Loan Growth Rate: Top 5.1% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.1% in tier
  • - Cost Spiral: Bottom 4.7% in tier
  • - Credit Risk Growth: Bottom 12.5% in tier
  • - Credit Quality Pressure: Bottom 14.1% in tier
  • - Margin Compression: Bottom 57.6% in tier
  • - ROA 0.08% below tier average
  • - Efficiency ratio 8.81% above tier (higher cost structure)
  • - Delinquency rate 0.25% above tier average
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 397,213
+17.3% YoY+0.5% QoQ
 +86.3K 310,918
+6.0% YoY
 15,019
+10.4% YoY
 34,678
+6.6% YoY
 85%
Assets $5.3B
+21.8% YoY+1.1% QoQ
 $-488.3M $5.8B
-1.1% YoY
 $179.3M
+15.8% YoY
 $593.1M
+10.2% YoY
 23%
Loans $3.6B
+13.4% YoY+1.6% QoQ
 $-552.3M $4.2B
-0.7% YoY
 $118.9M
+12.9% YoY
 $418.6M
+10.1% YoY
 28%
Deposits $4.1B
+21.1% YoY+0.7% QoQ
 $-837.5M $4.9B
-1.3% YoY
 $142.7M
+16.5% YoY
 $504.8M
+10.3% YoY
 Bottom 2.6% in tier

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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 0.8%
-28.6% YoY+23.3% QoQ
 -0.1% 0.9%
+35.3% YoY
 6.8%
+536.0% YoY
 1.2%
+121.4% YoY
 49%
NIM 3.7%
-1.1% YoY+1.4% QoQ
 +0.5% 3.2%
+9.5% YoY
 4.4%
+0.2% YoY
 3.8%
+2.3% YoY
 74%
Efficiency Ratio 74.0%
+10.2% YoY-1.9% QoQ
 +8.8% 65.2%
-9.0% YoY
 168.1%
+110.0% YoY
 83.0%
-5.3% YoY
 72%
Delinquency Rate 1.0%
+35.9% YoY-6.1% QoQ
 +0.3 0.8%
+23.8% YoY
 2.3%
+20.5% YoY
 1.3%
+2.6% YoY
 77%
Loan To Share 89.9%
-6.4% YoY+0.9% QoQ
 +4.3% 85.6%
-0.2% YoY
 65.7%
-3.6% YoY
 66.4%
-1.4% YoY
 49%
AMR $19,398
+0.0% YoY+0.6% QoQ
 $-13K $32,010
-7.3% YoY
 $12,280
+0.8% YoY
 $20,028
-0.9% YoY
 Bottom 7.7% in tier
CD Concentration 27.2%
+7.2% YoY+5.6% QoQ
 -1.1% 28.3% 19.9% 20.0% 42%
Indirect Auto % 25.7%
-6.7% YoY+2.9% QoQ
 +8.9% 16.8% 2.4% 7.7% 74%

Signature Analysis

Strengths (1)

Emerging Performer

growth
#3 of 19 • Top 57.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.85%
(Tier: 0.96%, National: 1.23%)
but worse than tier avg
Member Growth (YoY): 17.32%
(Tier: 4.24%, National: 15.67%)
better than tier avg
19 of 67 Large CUs have this signature | 283 nationally
→ Stable (18→19 CUs) +1 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk
#4 of 28 • Bottom 12.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 13.39%
(Tier: 7.79%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.27% points
(Tier: 0.07% points, National: 0.08% points)
worse than tier avg
28 of 67 Large CUs have this signature | 688 nationally
→ Stable (31→28 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk
#9 of 33 • Bottom 14.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.27% points
(Tier: 0.07% points, National: 0.08% points)
worse than tier avg
33 of 67 Large CUs have this signature | 962 nationally
→ Stable (37→33 CUs) -4 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#10 of 35 • Bottom 3.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 21.83%
(Tier: 8.71%, National: 3.30%)
but better than tier avg
Indirect Auto %: 25.70%
(Tier: 16.81%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 17.32%
(Tier: 4.24%, National: 15.67%)
but better than tier avg
35 of 67 Large CUs have this signature | 714 nationally
→ Stable (33→35 CUs) +2 CUs YoY | Rank improving

Cost Spiral

risk
#2 of 2 • Bottom 4.7% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 6.86% points
(Tier: -3.41% points, National: -3.74% points)
worse than tier avg
Efficiency Ratio (Prior Year): 67.13%
(Tier: 68.44%, National: 86.72%)
but better than tier avg
2 of 67 Large CUs have this signature | 106 nationally
→ Stable (5→2 CUs) -3 CUs YoY | New qualifier

Margin Compression

decline
#5 of 5 • Bottom 57.6% 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: 0.85%
(Tier: 0.96%, National: 1.23%)
worse than tier avg
ROA (Prior Year): 1.19%
(Tier: 0.84%, National: 0.66%)
but better than tier avg
ROA Change (YoY): -0.34% points
(Tier: 0.14% points, National: 0.47% points)
worse than tier avg
5 of 67 Large CUs have this signature | 167 nationally
→ Stable (8→5 CUs) -3 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)

Comparing against 39 peers in tier

Top Strengths (7 metrics)

1
Member Growth Rate
growth
Value: 17.32%
Peer Median: 2.78%
#1 of 39 Top 0.1% in 5B-7B tier
1
Asset Growth Rate
growth
Value: 21.83%
Peer Median: 6.34%
#1 of 39 Top 0.1% in 5B-7B tier
1
Deposit Growth Rate
growth
Value: 21.10%
Peer Median: 6.19%
#1 of 39 Top 0.1% in 5B-7B tier
3
Loan Growth Rate
growth
Value: 13.39%
Peer Median: 4.22%
#3 of 39 Top 5.1% in 5B-7B tier
6
Total Members
engagement
Value: 397,213
Peer Median: 303,111
#6 of 39 Top 12.8% in 5B-7B tier
8
Net Worth Ratio
risk
Value: 12.81%
Peer Median: 10.43%
#8 of 39 Top 17.9% in 5B-7B tier
10
Net Interest Margin (NIM)
profitability
Value: 3.72%
Peer Median: 3.25%
#10 of 39 Top 23.1% in 5B-7B tier

Top Weaknesses (5 metrics)

38
Total Deposits
balance_sheet
Value: $4.06B
Peer Median: $4.80B
#38 of 39 Bottom 5.1% in 5B-7B tier
36
Average Member Relationship (AMR)
engagement
Value: $19,398
Peer Median: $29,661
#36 of 39 Bottom 10.3% in 5B-7B tier
35
Loan-to-Member Ratio (LMR)
engagement
Value: $9,184
Peer Median: $13,956
#35 of 39 Bottom 12.8% in 5B-7B tier
31
AMR Growth Rate
growth
Value: 0.01%
Peer Median: 2.28%
#31 of 39 Bottom 23.1% in 5B-7B tier
31
Total Delinquency Rate (60+ days)
risk
Value: 1.04%
Peer Median: 0.67%
#31 of 39 Bottom 23.1% in 5B-7B tier
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