BlastPoint's Credit Union Scorecard
MEMBER PREFERRED
Charter #577 · TX
MEMBER PREFERRED has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.3% in tier
- + Loan-to-Share Ratio: Top 3.4% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 0.04% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,401
+2.4% YoY+1.6% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$16.1M
-2.3% YoY+1.0% QoQ
|
$-13.7M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$14.0M
+6.0% YoY+2.2% QoQ
|
$-1.8M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$13.8M
-3.1% YoY+0.6% QoQ
|
$-11.7M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
0.4%
-1.0% YoY-52.8% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
4.1%
+16.3% YoY+3.8% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
81.4%
-8.4% YoY+6.6% QoQ
|
+0.0% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.5%
+11.2% YoY+42.9% QoQ
|
-0.0 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
101.2%
+9.4% YoY+1.6% QoQ
|
+40.0% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 3.6% in tier |
| AMR |
$19,812
-1.1% YoY-0.2% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
62.8%
+5.3% YoY+4.7% QoQ
|
+38.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)