BlastPoint's Credit Union Scorecard

MEMBERS CHOICE

Charter #62026 · KY

100M-500M

1070 CUs in 100M-500M nationally 10 in KY

MEMBERS CHOICE has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Total Deposits: Top 5.2% in tier
+ Total Loans: Top 6.8% in tier
+ Total Assets: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.08% below tier average
- Efficiency ratio 2.11% above tier (higher cost structure)
- Member decline: -3.9% YoY
- Net Worth Ratio: Bottom 5.3% in tier
- Share Certificate Concentration (%): Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	23,216 -3.9% YoY-0.1% QoQ	+8.1K	15,145 -2.5% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	Top 15.0% in tier
Assets	$425.8M +5.5% YoY+0.9% QoQ	+$194.1M	$231.7M +0.8% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	Top 7.2% in tier
Loans	$288.9M +6.5% YoY+0.2% QoQ	+$144.7M	$144.1M +0.2% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	Top 6.9% in tier
Deposits	$384.1M +3.4% YoY+2.5% QoQ	+$183.0M	$201.1M +0.4% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	Top 5.3% 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	0.6% +69.1% YoY+22.5% QoQ	-0.1%	0.7% +5.1% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	46%
NIM	3.2% +7.3% YoY+2.7% QoQ	-0.4%	3.6% +4.6% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	25%
Efficiency Ratio	80.1% -0.5% YoY+4.6% QoQ	+2.1%	78.0% -1.7% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.6% -39.6% YoY-16.1% QoQ	-0.2	0.8% +7.1% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	51%
Loan To Share	75.2% +3.0% YoY-2.2% QoQ	+4.8%	70.4% -0.4% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	56%
AMR	$28,987 +8.9% YoY+1.5% QoQ	+$4K	$24,918 +2.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	78%
CD Concentration	38.2% -5.5% YoY-2.8% QoQ	+13.9%	24.3%	22.8%	19.8%	50%
Indirect Auto %	3.3% -36.4% YoY-11.8% QoQ	-10.5%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#48 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.93%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $1.9K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#164 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.93%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#187 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.90%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#324 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.90%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 6.50%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.62%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#563 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.13%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.26% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.90%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Total Deposits

balance_sheet

Value: $384.12M

Peer Median: $171.29M

#57 of 1070 Top 5.2% in 100M-500M tier

Total Loans

balance_sheet

Value: $288.85M

Peer Median: $121.41M

#74 of 1070 Top 6.8% in 100M-500M tier

Total Assets

balance_sheet

Value: $425.77M

Peer Median: $196.57M

#77 of 1070 Top 7.1% in 100M-500M tier

134

AMR Growth Rate

growth

Value: 8.93%

Peer Median: 3.46%

#134 of 1070 Top 12.4% in 100M-500M tier

160

Total Members

engagement

Value: 23,216

Peer Median: 13,200

#160 of 1070 Top 14.9% in 100M-500M tier

228

Loan-to-Member Ratio (LMR)

engagement

Value: $12,442

Peer Median: $9,356

#228 of 1070 Top 21.2% in 100M-500M tier

235

Fee Income Per Member

profitability

Value: $209.23

Peer Median: $154.95

#235 of 1070 Top 21.9% in 100M-500M tier

241

Average Member Relationship (AMR)

engagement

Value: $28,987

Peer Median: $22,931

#241 of 1070 Top 22.4% in 100M-500M tier

Top Weaknesses (5 metrics)

1014

Net Worth Ratio

risk

Value: 8.31%

Peer Median: 11.45%

#1014 of 1070 Bottom 5.3% in 100M-500M tier

969

Share Certificate Concentration (%)

balance_sheet

Value: 38.20%

Peer Median: 23.10%

#969 of 1070 Bottom 9.5% in 100M-500M tier

912

Member Growth Rate

growth

Value: -3.90%

Peer Median: -0.06%

#912 of 1070 Bottom 14.9% in 100M-500M tier

832

First Mortgage Concentration (%)

balance_sheet

Value: 43.30%

Peer Median: 29.47%

#832 of 1070 Bottom 22.3% in 100M-500M tier

805

Net Interest Margin (NIM)

profitability

Value: 3.21%

Peer Median: 3.62%

#805 of 1070 Bottom 24.9% in 100M-500M tier