BlastPoint's Credit Union Scorecard

MEMBERS CHOICE

Charter #62026 · KY

1077 CUs in 100M-500M nationally 10 in KY

MEMBERS CHOICE has 3 strengths but faces 9 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

+ Total Deposits: Top 6.7% in tier
+ Total Loans: Top 8.8% in tier
+ Total Assets: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 28.6% in tier
- Membership Headwinds: Bottom 32.2% in tier
- Flatlined Growth: Bottom 46.6% in tier
- Deposit Outflow: Bottom 78.8% in tier
- ROA 0.37% below tier average
- Efficiency ratio 1.16% above tier (higher cost structure)
- Delinquency rate 0.04% above tier average
- Net Worth Ratio: Bottom 5.4% in tier
- Share Certificate Concentration (%): Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	23,218 -0.6% YoY-0.3% QoQ	+7.6K	15,628 -3.4% YoY	18,350 +6.5% YoY	33,089 +6.1% YoY	84%
Assets	$411.3M +1.6% YoY+0.1% QoQ	+$180.0M	$231.3M -0.0% YoY	$291.9M +10.4% YoY	$547.7M +7.8% YoY	Top 9.3% in tier
Loans	$278.7M +5.3% YoY+1.1% QoQ	+$130.9M	$147.8M -1.4% YoY	$208.5M +10.3% YoY	$388.7M +8.6% YoY	Top 8.9% in tier
Deposits	$370.9M -0.5% YoY+0.1% QoQ	+$170.6M	$200.3M -0.0% YoY	$245.3M +10.3% YoY	$464.6M +9.3% YoY	Top 6.8% 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	0.4% +118.0% YoY+16.3% QoQ	-0.4%	0.8% +15.5% YoY	0.2% -216.5% YoY	0.7% +273.4% YoY	26%
NIM	3.1% +15.9% YoY+1.1% QoQ	-0.5%	3.6% +6.9% YoY	3.6% +4.6% YoY	3.7% +5.0% YoY	23%
Efficiency Ratio	78.4% +0.6% YoY-0.0% QoQ	+1.2%	77.3% -3.0% YoY	85.0% -21.4% YoY	79.1% -3.3% YoY	55%
Delinquency Rate	0.9% -27.6% YoY+5.2% QoQ	+0.0	0.9% +7.6% YoY	0.8% -26.3% YoY	1.2% -0.9% YoY	66%
Loan To Share	75.1% +5.9% YoY+1.0% QoQ	+2.4%	72.7% -1.5% YoY	65.5% -4.4% YoY	68.0% -1.7% YoY	52%
AMR	$27,978 +2.5% YoY+0.8% QoQ	+$4K	$24,363 +2.9% YoY	$16,917 +3.2% YoY	$19,418 +1.3% YoY	76%
CD Concentration	40.3% -7.0% YoY-0.1% QoQ	+15.9%	24.4% +4.2% YoY	22.1% -0.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	4.3% -24.1% YoY-10.1% QoQ	-9.7%	14.0% -5.7% YoY	7.8% -3.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#471 of 550 • Bottom 28.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 5.30%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.90%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#530 of 550 • Bottom 32.2% in tier

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

Why This Signature

Member Growth (YoY): -0.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Flatlined Growth

risk

#49 of 58 • Bottom 46.6% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.62%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.42%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

Deposit Outflow

decline

#64 of 81 • Bottom 78.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.55%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $370.89M

Peer Avg: -

#73 of 1077 Top 6.7% in 100M-500M tier

Total Loans

balance_sheet

Value: $278.69M

Peer Avg: -

#96 of 1077 Top 8.8% in 100M-500M tier

100

Total Assets

balance_sheet

Value: $411.33M

Peer Avg: -

#100 of 1077 Top 9.2% in 100M-500M tier

176

Total Members

engagement

Value: 23,218

Peer Avg: -

#176 of 1077 Top 16.2% in 100M-500M tier

253

Average Member Relationship (AMR)

engagement

Value: $27,978

Peer Avg: -

#253 of 1077 Top 23.4% in 100M-500M tier

255

Loan-to-Member Ratio (LMR)

engagement

Value: $12,003

Peer Avg: -

#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1020

Net Worth Ratio

risk

Value: 8.22%

Peer Avg: -

#1020 of 1077 Bottom 5.4% in 100M-500M tier

997

Share Certificate Concentration (%)

balance_sheet

Value: 40.29%

Peer Avg: -

#997 of 1077 Bottom 7.5% in 100M-500M tier

916

Deposit Growth Rate

growth

Value: -0.55%

Peer Avg: -

#916 of 1077 Bottom 15.0% in 100M-500M tier

850

First Mortgage Concentration (%)

balance_sheet

Value: 44.30%

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier

825

Net Interest Margin (NIM)

profitability

Value: 3.10%

Peer Avg: -

#825 of 1077 Bottom 23.5% in 100M-500M tier