BlastPoint's Credit Union Scorecard

MERITRUST

Charter #62574 · CO

Mid-Market 3B-5B

Meritrust at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Meritrust is one of 101 credit unions in the 2026 VentureTech card set. We also found Meritrust's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
Meritrust
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77 CUs in 3B-5B nationally 2 in CO
View Mid-Market leaderboard →

MERITRUST has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Strong member growth: 170.7% YoY
  • + Member Growth Rate: Top 0.1% in tier
  • + Asset Growth Rate: Top 0.1% in tier
  • + Loan Growth Rate: Top 0.1% in tier
  • + Deposit Growth Rate: Top 0.1% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.3% in tier
  • - Credit Risk Growth: Bottom 0.3% in tier
  • - Efficiency Drag: Bottom 5.1% in tier
  • - Liquidity Strain: Bottom 31.5% in tier
  • - Credit Quality Pressure: Bottom 51.9% in tier
  • - Shrinking Wallet Share: Bottom 99.2% in tier
  • - ROA 0.76% below tier average
  • - Efficiency ratio 17.51% above tier (higher cost structure)
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 213,283
+170.7% YoY+1.8% QoQ
 -3.3K 216,545
-9.5% YoY
 46,494
+29.3% YoY
 34,678
+6.6% YoY
 51%
Assets $4.1B
+131.7% YoY-1.2% QoQ
 +$240.0M $3.9B
-1.6% YoY
 $894.3M
+37.1% YoY
 $593.1M
+10.2% YoY
 60%
Loans $3.2B
+143.9% YoY+5.6% QoQ
 +$311.7M $2.9B
-1.2% YoY
 $702.2M
+37.3% YoY
 $418.6M
+10.1% YoY
 65%
Deposits $3.5B
+128.4% YoY-2.0% QoQ
 +$204.4M $3.3B
-2.6% YoY
 $750.1M
+37.6% YoY
 $504.8M
+10.3% YoY
 57%

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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 0.2%
+71.6% YoY-34.1% QoQ
 -0.8% 0.9%
+25.3% YoY
 0.7%
+37.8% YoY
 1.2%
+121.4% YoY
 Bottom 5.2% in tier
NIM 3.2%
+19.7% YoY+6.1% QoQ
 +0.0% 3.2%
+3.8% YoY
 3.5%
+0.2% YoY
 3.8%
+2.3% YoY
 46%
Efficiency Ratio 87.0%
+0.7% YoY+0.6% QoQ
 +17.5% 69.5%
-2.3% YoY
 79.8%
-0.6% YoY
 83.0%
-5.3% YoY
 Bottom 3.9% in tier
Delinquency Rate 0.5%
+7.1% YoY+19.1% QoQ
 -0.4 0.8%
+5.5% YoY
 0.8%
-1.8% YoY
 1.3%
+2.6% YoY
 31%
Loan To Share 93.7%
+6.8% YoY+7.8% QoQ
 +3.4% 90.2%
+0.9% YoY
 72.6%
-0.3% YoY
 66.4%
-1.4% YoY
 52%
AMR $31,435
-12.9% YoY-0.2% QoQ
 +$416 $31,018
+6.9% YoY
 $24,334
+6.4% YoY
 $20,028
-0.9% YoY
 65%
CD Concentration 26.2%
-4.7% YoY-4.7% QoQ
 -2.9% 29.1% 27.0% 20.0% 39%
Indirect Auto % 29.4%
+50.6% YoY+5.1% QoQ
 +11.3% 18.1% 12.3% 7.7% 77%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Shrinking Wallet Share

decline
#4 of 69 • Bottom 99.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -12.95%
(Tier: 3.62%, National: 35.20%)
worse than tier avg
69 of 377 Mid-Market CUs have this signature | 308 nationally
↓ Shrinking -22 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#49 of 193 • Bottom 0.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 131.72%
(Tier: 6.52%, National: 3.30%)
but better than tier avg
Indirect Auto %: 29.37%
(Tier: 18.08%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 170.70%
(Tier: 3.16%, National: 15.67%)
but better than tier avg
193 of 377 Mid-Market CUs have this signature | 714 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Credit Risk Growth

risk
#67 of 170 • Bottom 0.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 143.93%
(Tier: 6.76%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.06% points, National: 0.08% points)
but better than tier avg
170 of 377 Mid-Market CUs have this signature | 688 nationally
→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Liquidity Strain

risk
#68 of 168 • Bottom 31.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.68%
(Tier: 85.94%, National: 66.39%)
but better than tier avg
Loan Growth (YoY): 143.93%
(Tier: 6.76%, National: 78.26%)
but better than tier avg
168 of 377 Mid-Market CUs have this signature | 432 nationally
→ Stable (173→168 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk
#36 of 71 • Bottom 5.1% in tier

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

Why This Signature
Efficiency Ratio: 86.96%
(Tier: 72.30%, National: 82.97%)
worse than tier avg
ROA Change (YoY): 0.07% points
(Tier: 0.18% points, National: 0.47% points)
worse than tier avg
Member Growth (YoY): 170.70%
(Tier: 3.16%, National: 15.67%)
but better than tier avg
71 of 377 Mid-Market CUs have this signature | 608 nationally
↓ Shrinking -33 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#193 of 215 • Bottom 51.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.06% points, National: 0.08% points)
but better than tier avg
215 of 377 Mid-Market CUs have this signature | 962 nationally
↓ Shrinking -28 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)

Comparing against 77 peers in tier

Top Strengths (5 metrics)

1
Member Growth Rate
growth
Value: 170.70%
Peer Median: 3.08%
#1 of 77 Top 0.1% in 3B-5B tier
1
Asset Growth Rate
growth
Value: 131.72%
Peer Median: 5.91%
#1 of 77 Top 0.1% in 3B-5B tier
1
Loan Growth Rate
growth
Value: 143.93%
Peer Median: 6.20%
#1 of 77 Top 0.1% in 3B-5B tier
1
Deposit Growth Rate
growth
Value: 128.40%
Peer Median: 5.62%
#1 of 77 Top 0.1% in 3B-5B tier
19
Fee Income Per Member
profitability
Value: $251.16
Peer Median: $211.54
#19 of 77 Top 23.4% in 3B-5B tier

Top Weaknesses (5 metrics)

75
Efficiency Ratio
profitability
Value: 86.96%
Peer Median: 68.32%
#75 of 77 Bottom 3.9% in 3B-5B tier
75
AMR Growth Rate
growth
Value: -12.95%
Peer Median: 3.17%
#75 of 77 Bottom 3.9% in 3B-5B tier
73
Return on Assets (ROA)
profitability
Value: 0.17%
Peer Median: 0.94%
#73 of 77 Bottom 6.5% in 3B-5B tier
73
Net Worth Ratio
risk
Value: 8.13%
Peer Median: 10.81%
#73 of 77 Bottom 6.5% in 3B-5B tier
60
Members Per Employee (MPE)
engagement
Value: 318.809
Peer Median: 390.144
#60 of 77 Bottom 23.4% in 3B-5B tier
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