BlastPoint's Credit Union Scorecard
MEMBERSOWN
Charter #66268 · NE
MEMBERSOWN has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 1.01% above tier average
- + First Mortgage Concentration (%): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Total Assets: Bottom 6.5% in tier
- - Total Deposits: Bottom 6.5% in tier
- - Net Charge-Off Rate: Bottom 7.7% 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 12 that size in Nebraska.
- Shares and deposits -0.9% year over year ($94.3M in shares and deposits).
- Membership: 8,979 members, -0.4% vs a year ago.
- Delinquency rate 0.91%.
- Return on assets 1.09%.
- Efficiency ratio 71.34% vs a 76.73% peer average.
- Loan-to-share ratio 73.07% 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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,979
-0.4% YoY+0.5% QoQ
|
-6.2K |
15,168
-2.6% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$109.3M
+0.3% YoY-1.7% QoQ
|
$-122.7M |
$232.0M
+0.7% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.4% in tier |
| Loans |
$68.9M
-2.4% YoY+1.3% QoQ
|
$-77.3M |
$146.3M
+0.2% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$94.3M
-0.9% YoY-3.0% QoQ
|
$-106.4M |
$200.7M
+0.2% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+16.5% YoY-0.4% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
4.7%
+3.7% YoY+2.1% QoQ
|
+1.0% |
3.7%
+4.5% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
71.3%
-3.7% YoY+0.0% QoQ
|
-5.4% |
76.7%
-0.8% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.9%
-16.9% YoY+10.3% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
73.1%
-1.5% YoY+4.4% QoQ
|
+1.5% |
71.5%
-0.3% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$18,179
-1.1% YoY-1.7% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
26.6%
-3.5% YoY+4.3% QoQ
|
+2.1% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
16.4%
-6.6% YoY+0.6% QoQ
|
+2.8% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)