BlastPoint's Credit Union Scorecard

MEMBERS PLUS

Charter #66706 · MA

1069 CUs in 100M-500M nationally 32 in MA

MEMBERS PLUS has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 85.4% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 19.9% in tier
- Institutional Decline: Bottom 67.4% in tier
- Stagnation Risk: Bottom 69.1% in tier
- Membership Headwinds: Bottom 99.6% in tier
- ROA 0.82% below tier average
- Efficiency ratio 21.68% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 3.4% in tier
- First Mortgage Concentration (%): Bottom 4.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	13,658 -0.5% YoY-0.9% QoQ	-1.8K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	51%
Assets	$341.1M +5.9% YoY-1.0% QoQ	+$109.2M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	80%
Loans	$175.5M -5.6% YoY-0.6% QoQ	+$28.2M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	69%
Deposits	$268.8M +7.3% YoY+0.2% QoQ	+$68.0M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	75%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.1% -96.8% YoY-226.6% QoQ	-0.8%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	Bottom 5.9% in tier
NIM	2.2% +5.3% YoY-0.4% QoQ	-1.4%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	Bottom 3.3% in tier
Efficiency Ratio	98.7% -59.5% YoY+4.3% QoQ	+21.7%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	Top 2.6% in tier
Delinquency Rate	0.6% -55.1% YoY+17.3% QoQ	-0.3	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	44%
Loan To Share	65.3% -12.0% YoY-0.8% QoQ	-6.9%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	33%
AMR	$32,533 +2.4% YoY+0.8% QoQ	+$8K	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	Top 12.7% in tier
CD Concentration	27.9% +3.7% YoY-0.2% QoQ	+3.5%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#229 of 268 • Top 85.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.35%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.6K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#108 of 538 • Bottom 19.9% in tier

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

Why This Signature

Efficiency Ratio: 98.69%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 1.83% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Institutional Decline

decline

#162 of 240 • Bottom 67.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $341.07M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.60%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#383 of 554 • Bottom 69.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.60%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.63%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#552 of 554 • Bottom 99.6% in tier

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

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: -

#77 of 1069 Top 7.1% in 100M-500M tier

136

Average Member Relationship (AMR)

engagement

Value: $32,533

Peer Median: -

#136 of 1069 Top 12.6% in 100M-500M tier

206

Loan-to-Member Ratio (LMR)

engagement

Value: $12,850

Peer Median: -

#206 of 1069 Top 19.2% in 100M-500M tier

210

Total Assets

balance_sheet

Value: $341.07M

Peer Median: -

#210 of 1069 Top 19.6% in 100M-500M tier

256

Deposit Growth Rate

growth

Value: 7.33%

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

266

Total Deposits

balance_sheet

Value: $268.82M

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1042

Efficiency Ratio

profitability

Value: 98.69%

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

1034

Net Interest Margin (NIM)

profitability

Value: 2.25%

Peer Median: -

#1034 of 1069 Bottom 3.4% in 100M-500M tier

1026

First Mortgage Concentration (%)

balance_sheet

Value: 64.60%

Peer Median: -

#1026 of 1069 Bottom 4.1% in 100M-500M tier

1006

Return on Assets (ROA)

profitability

Value: -0.06%

Peer Median: -

#1006 of 1069 Bottom 6.0% in 100M-500M tier

963

Loan Growth Rate

growth

Value: -5.60%

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier