BlastPoint's Credit Union Scorecard

MEMBERSOWN

Charter #66268 · NE

1077 CUs in 100M-500M nationally 12 in NE

MEMBERSOWN has 3 strengths but faces 9 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.19% above tier average
+ Net Interest Margin 1.09% above tier average
+ First Mortgage Concentration (%): Top 7.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.4% in tier
- Stagnation Risk: Bottom 26.8% in tier
- Membership Headwinds: Bottom 30.9% in tier
- Indirect Auto Dependency: Bottom 32.0% in tier
- Deposit Outflow: Bottom 96.2% in tier
- Delinquency rate 0.49% above tier average
- Total Assets: Bottom 4.6% in tier
- Total Deposits: Bottom 4.8% in tier
- Asset Growth Rate: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	8,967 -0.7% YoY-0.6% QoQ	-6.7K	15,628 -3.4% YoY	11,261 +2.9% YoY	33,089 +6.1% YoY	22%
Assets	$106.5M -2.1% YoY-2.2% QoQ	$-124.8M	$231.3M -0.0% YoY	$135.7M +6.0% YoY	$547.7M +7.8% YoY	Bottom 4.5% in tier
Loans	$70.5M +0.4% YoY-0.2% QoQ	$-77.3M	$147.8M -1.4% YoY	$98.5M +7.2% YoY	$388.7M +8.6% YoY	16%
Deposits	$92.5M -1.3% YoY-2.9% QoQ	$-107.8M	$200.3M -0.0% YoY	$114.5M +4.4% YoY	$464.6M +9.3% YoY	Bottom 4.7% in tier

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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	1.0% -3.0% YoY+4.2% QoQ	+0.2%	0.8% +15.5% YoY	0.7% +41.5% YoY	0.7% +273.4% YoY	64%
NIM	4.7% +12.7% YoY+3.3% QoQ	+1.1%	3.6% +6.9% YoY	4.0% +7.0% YoY	3.7% +5.0% YoY	Top 5.9% in tier
Efficiency Ratio	73.5% -0.5% YoY-0.8% QoQ	-3.8%	77.3% -3.0% YoY	80.8% -5.9% YoY	79.1% -3.3% YoY	36%
Delinquency Rate	1.4% +105.4% YoY+23.4% QoQ	+0.5	0.9% +7.6% YoY	1.1% +1.3% YoY	1.2% -0.9% YoY	82%
Loan To Share	76.2% +1.7% YoY+2.8% QoQ	+3.5%	72.7% -1.5% YoY	71.7% -1.6% YoY	68.0% -1.7% YoY	54%
AMR	$18,168 +0.2% YoY-1.2% QoQ	$-6K	$24,363 +2.9% YoY	$16,886 +0.6% YoY	$19,418 +1.3% YoY	24%
CD Concentration	27.0% +4.8% YoY-2.3% QoQ	+2.5%	24.4% +4.2% YoY	22.1% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.1% -3.7% YoY-2.8% QoQ	+3.1%	14.0% -5.7% YoY	5.8% -5.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#84 of 736 • Bottom 3.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.69% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk

#441 of 550 • Bottom 26.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.38%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.35%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#509 of 550 • Bottom 30.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#515 of 525 • Bottom 32.0% in tier

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

Why This Signature

Asset Growth (YoY): -2.14%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.12%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Deposit Outflow

decline

#78 of 81 • Bottom 96.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.28%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.68%

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.18%

Peer Avg: -

#82 of 1077 Top 7.5% in 100M-500M tier

246

Net Worth Ratio

risk

Value: 13.85%

Peer Avg: -

#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (10 metrics)

1028

Total Assets

balance_sheet

Value: $106.52M

Peer Avg: -

#1028 of 1077 Bottom 4.6% in 100M-500M tier

1026

Total Deposits

balance_sheet

Value: $92.45M

Peer Avg: -

#1026 of 1077 Bottom 4.8% in 100M-500M tier

974

Asset Growth Rate

growth

Value: -2.14%

Peer Avg: -

#974 of 1077 Bottom 9.7% in 100M-500M tier

951

Deposit Growth Rate

growth

Value: -1.28%

Peer Avg: -

#951 of 1077 Bottom 11.8% in 100M-500M tier

909

Total Loans

balance_sheet

Value: $70.46M

Peer Avg: -

#909 of 1077 Bottom 15.7% in 100M-500M tier

889

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Avg: -

#889 of 1077 Bottom 17.5% in 100M-500M tier

836

Total Members

engagement

Value: 8,967

Peer Avg: -

#836 of 1077 Bottom 22.5% in 100M-500M tier

832

AMR Growth Rate

growth

Value: 0.16%

Peer Avg: -

#832 of 1077 Bottom 22.8% in 100M-500M tier

827

Fee Income Per Member

profitability

Value: $115.84

Peer Avg: -

#827 of 1077 Bottom 23.3% in 100M-500M tier

822

Average Member Relationship (AMR)

engagement

Value: $18,168

Peer Avg: -

#822 of 1077 Bottom 23.8% in 100M-500M tier