BlastPoint's Credit Union Scorecard
MEMBERSOWN
Charter #66268 · NE
MEMBERSOWN has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 0.97% above tier average
- + First Mortgage Concentration (%): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.05% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,934
-1.6% YoY-0.3% QoQ
|
-6.2K |
15,145
-2.5% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$111.3M
-0.2% YoY+3.5% QoQ
|
$-120.5M |
$231.7M
+0.8% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.9% in tier |
| Loans |
$68.1M
-3.8% YoY-1.9% QoQ
|
$-76.1M |
$144.1M
+0.2% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$97.2M
-1.3% YoY+3.9% QoQ
|
$-103.9M |
$201.1M
+0.4% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.8% in tier |
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| ROA |
1.1%
+7.5% YoY+37.4% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
4.6%
+2.8% YoY+1.9% QoQ
|
+1.0% |
3.6%
+4.6% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
71.3%
-2.8% YoY-5.1% QoQ
|
-6.7% |
78.0%
-1.7% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
0.8%
+22.3% YoY-43.6% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
70.0%
-2.5% YoY-5.6% QoQ
|
-0.4% |
70.4%
-0.4% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$18,501
-0.7% YoY+1.7% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
25.5%
-4.4% YoY-3.0% QoQ
|
+1.3% | 24.3% | 22.1% | 19.8% | 50% |
| Indirect Auto % |
16.3%
-6.9% YoY-2.8% QoQ
|
+2.5% | 13.8% | 5.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)