BlastPoint's Credit Union Scorecard
MEMBERS CHOICE
Charter #62026 · KY
MEMBERS CHOICE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 80.7% in tier
- + Total Deposits: Top 6.4% in tier
- + Total Assets: Top 7.5% in tier
- + Total Loans: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 44.5% in tier
- - Stagnation Risk: Bottom 66.0% in tier
- - ROA 0.23% below tier average
- - Member decline: -3.1% YoY
- - Net Worth Ratio: Bottom 5.0% in tier
- - Share Certificate Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,228
-3.1% YoY+0.0% QoQ
|
+7.8K |
15,437
-2.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$422.1M
+3.3% YoY+2.6% QoQ
|
+$190.2M |
$231.9M
+1.3% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Top 7.6% in tier |
| Loans |
$288.4M
+5.3% YoY+3.5% QoQ
|
+$141.0M |
$147.3M
-0.1% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 7.7% in tier |
| Deposits |
$374.9M
+0.9% YoY+1.1% QoQ
|
+$174.1M |
$200.8M
+0.8% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 6.5% in tier |
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| ROA |
0.5%
+113.2% YoY+26.2% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.1%
+14.7% YoY+0.7% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
76.6%
-1.1% YoY-2.3% QoQ
|
-0.4% |
77.0%
-3.1% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.7%
-31.6% YoY-18.1% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
76.9%
+4.4% YoY+2.4% QoQ
|
+4.7% |
72.2%
-1.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$28,555
+6.1% YoY+2.1% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
39.3%
-7.5% YoY-2.4% QoQ
|
+14.9% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
3.8%
-30.4% YoY-13.0% QoQ
|
-10.0% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)