BlastPoint's Credit Union Scorecard
MEMBER PREFERRED
Charter #577 · TX
MEMBER PREFERRED has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Loan-to-Share Ratio: Top 5.3% in tier
- + Fee Income Per Member: Top 8.2% in tier
- + Loan-to-Member Ratio (LMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 3.43% below tier average
- - Efficiency ratio 5.56% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Share Certificate Concentration (%): Bottom 1.7% in tier
- - Net Charge-Off Rate: Bottom 5.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,393
+0.7% YoY-0.3% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$16.2M
-3.9% YoY-0.8% QoQ
|
$-14.0M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$13.3M
+0.4% YoY-3.0% QoQ
|
$-2.0M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$14.1M
-2.7% YoY+0.1% QoQ
|
$-11.7M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
-3.3%
-395.7% YoY-2736.0% QoQ
|
-3.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.0% in tier |
| NIM |
4.1%
+8.6% YoY+0.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
96.2%
+42.0% YoY+11.0% QoQ
|
+5.6% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
1.7%
+22.4% YoY-37.9% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
94.3%
+3.2% YoY-3.1% QoQ
|
+35.8% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 5.4% in tier |
| AMR |
$19,693
-1.9% YoY-1.2% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
59.1%
+2.9% YoY-4.3% QoQ
|
+34.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)