BlastPoint's Credit Union Scorecard
MEMBERSOWN
Charter #66268 · NE
MEMBERSOWN has 3 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Interest Margin 0.91% above tier average
- + First Mortgage Concentration (%): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.2% in tier
- - Stagnation Risk: Bottom 58.8% in tier
- - Deposit Outflow: Bottom 77.9% in tier
- - Membership Headwinds: Bottom 90.8% in tier
- - Shrinking Wallet Share: Bottom 90.8% in tier
- - Margin Compression: Bottom 93.4% in tier
- - Accelerating Exit Risk: Bottom 94.5% in tier
- - Indirect Auto Dependency: Bottom 98.0% in tier
- - Institutional Decline: Bottom 98.7% in tier
- - Delinquency rate 0.57% above tier average
- - Total Assets: Bottom 5.0% in tier
- - Total Deposits: Bottom 5.7% in tier
- - Deposit Growth Rate: Bottom 7.6% in tier
- - Asset Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,959
-0.8% YoY-0.1% QoQ
|
-6.5K |
15,437
-2.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$107.5M
-1.6% YoY+0.9% QoQ
|
$-124.4M |
$231.9M
+1.3% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.9% in tier |
| Loans |
$69.4M
-0.8% YoY-1.5% QoQ
|
$-77.9M |
$147.3M
-0.1% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$93.6M
-2.5% YoY+1.2% QoQ
|
$-107.3M |
$200.8M
+0.8% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.6% 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 |
0.8%
-20.2% YoY-18.3% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
4.5%
+6.9% YoY-3.5% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
75.2%
+2.4% YoY+2.3% QoQ
|
-1.9% |
77.0%
-3.1% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.5%
+123.2% YoY+8.3% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Top 14.8% in tier |
| Loan To Share |
74.2%
+1.8% YoY-2.7% QoQ
|
+2.0% |
72.2%
-1.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$18,191
-0.9% YoY+0.1% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
26.3%
-0.1% YoY-2.3% QoQ
|
+1.9% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
16.8%
-2.8% YoY-1.8% QoQ
|
+3.0% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (9)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)