BlastPoint's Credit Union Scorecard
MEMORIAL
Charter #62571 · TX
MEMORIAL has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.98% above tier average
- + Total Loans: Top 0.5% in tier
- + Total Members: Top 1.4% in tier
- + Total Deposits: Top 3.8% in tier
- + Total Assets: Top 4.7% in tier
- + Loan-to-Share Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Efficiency ratio 16.07% above tier (higher cost structure)
- - Member decline: -3.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,902
-3.3% YoY+0.4% QoQ
|
+7.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 1.4% in tier |
| Assets |
$87.7M
-6.2% YoY+0.7% QoQ
|
+$57.5M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 4.7% in tier |
| Loans |
$70.1M
-7.8% YoY-3.3% QoQ
|
+$54.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 0.5% in tier |
| Deposits |
$77.9M
-6.6% YoY+0.9% QoQ
|
+$52.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 3.8% in tier |
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| ROA |
-0.3%
-465.8% YoY+29.1% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.4% in tier |
| NIM |
4.9%
+11.0% YoY+0.6% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
98.6%
+4.2% YoY+0.9% QoQ
|
+16.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate |
0.6%
+14.9% YoY+5.4% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
90.0%
-1.2% YoY-4.2% QoQ
|
+29.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 10.0% in tier |
| AMR |
$14,952
-4.1% YoY-1.5% QoQ
|
+$169 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
14.2%
-17.7% YoY-1.5% QoQ
|
-10.2% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)