BlastPoint's Credit Union Scorecard
MEMBERS CHOICE
Charter #62026 · KY
MEMBERS CHOICE has 5 strengths but faces 5 concerns
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 5.1% in tier
- + Total Loans: Top 6.1% in tier
- + Total Assets: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 1.47% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kentucky.
- Shares and deposits +4.8% year over year ($388M in shares and deposits).
- Membership: 23,103 members, -0.8% vs a year ago.
- Delinquency rate 0.76%.
- Return on assets 0.64%.
- Efficiency ratio 78.20% vs a 76.73% peer average.
- Loan-to-share ratio 76.98% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,103
-0.8% YoY-0.5% QoQ
|
+7.9K |
15,168
-2.6% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
85% |
| Assets |
$430.8M
+4.9% YoY+1.2% QoQ
|
+$198.8M |
$232.0M
+0.7% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Top 6.6% in tier |
| Loans |
$299.0M
+8.5% YoY+3.5% QoQ
|
+$152.7M |
$146.3M
+0.2% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
Top 6.2% in tier |
| Deposits |
$388.4M
+4.8% YoY+1.1% QoQ
|
+$187.7M |
$200.7M
+0.2% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 5.2% in tier |
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| ROA |
0.6%
+77.7% YoY-1.2% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
39% |
| NIM |
3.3%
+7.6% YoY+3.0% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
78.2%
-0.3% YoY-2.4% QoQ
|
+1.5% |
76.7%
-0.8% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.8%
-11.5% YoY+22.5% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
77.0%
+3.5% YoY+2.4% QoQ
|
+5.4% |
71.5%
-0.3% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$29,752
+7.2% YoY+2.6% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
37.2%
-7.7% YoY-2.6% QoQ
|
+12.7% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
2.9%
-40.5% YoY-13.8% QoQ
|
-10.8% | 13.6% | 7.6% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)